lower network traffic with TOT and change in IC rate effective from Jan- 22. Device & SIM card sales reported Bt9,270mn, decreasing -4.3% YoY and -32% QoQ. QoQ drop was mainly from high seasonal sales of

Assistant Professor Dr.Kusuma Palaprom the resigned Company’s Director effective since 30 October, 2017 2. Appointment of Assistant Dr. Chalermkiat Wongvanichtawee as the Independent Director to replace the

/2018 4Q/2018 Average credit limit of customer (Baht) 28,302 33,335 57,787 43,169 2. Effective debt collection, the Company has expedited to collect the principal debt to enhance its collecting amount

-month period ended 30 June 2017 and 2016 were THB 6.99 million and THB 6.46 million or equivalent to effective tax rate of 18.20% and 19.85% respectively. Tax expenses for the six-month period ended 30

2017. Tax Expenses Jul – Sep 2017 Tax expenses for the three-month period ended 30 September 2017 and 2016 were THB 8.79 million and THB 5.43 million or equivalent to effective tax rate of 17.40% and

housing loans as most borrowers rushed to submit their loan applications before the effective date of the revised Loan-to-Value (LTV) measures on April 1, 2019. Demand for auto-leasing declined in line with

be effective in 2020, the Thai commercial banking system will be more stable and able to support loan expansion in the next phase. Overall Picture of the Bank and its Subsidiaries Million Baht Item

preparation for the adoption of IFRS 9, which will be effective in 2020, it would help supporting the financial stability in the Thai commercial banking system in order to accommodate loan growth in the next

interest income and fee income related to loan was calculated using the effective interest rate (EIR) method, as well as reduction in contributions to the Financial Institutions Development Fund (FIDF

strongly, especially on a same-store basis that continues to grow together with cost effective management. Excluding the non-recurring items, total revenue increased 9.0% YoY and net profit increased 7.4