monitoring given that general elections are expected to take place in early 2019. Thai Banking Industry The commercial banking system in Thailand continues to face challenges from an uncertain economic

Thailand. The Bank of Thailand revised down the projection of overall economy for 2020 to contract 7.8% (as of September 2020) from the earlier forecast of 8.1%. But the fragile labor market, uncertain

continued to contract, especially investments in machinery and capital goods. The delays in business investment were attributable to weak demand and concerns over the uncertain economic outlook in the period

highly uncertain situation. V2 27/08/63 5 Operating Income and Expenses of the Bank and its Subsidiaries Million Baht Quarter Change (%) H1 Change 2/2020 1/2020 2/2019 1/2020 2/2019 2020 2019 (%) Net

International (Thailand) Co., Ltd. to join and manage franchised KFC outlets will have any negative impact for the Company in managing and expanding its KFC outlets network in the future. Outlook for Q4/2017 The

, document, and enforce policies, procedures, and controls to identify and eliminate, or manage and disclose, as appropriate, any actual or potential conflicts of interest that may influence the credit rating

the Extraordinary General Meeting of Shareholders No. 2/2019 to consider and approve the entering into the Right to Sell Advertising Media Agreement to grant the rights to PLANB to manage all Out-of

control and manage digital media players via telephone network, which is under the process of registration to NEXT in accordance with the conditions specified by the Company. In this regard, the Seller

of system to control and manage digital media players via telephone network, which is under the process of registration to NEXT in accordance with the conditions specified by the Company. In this

proactive measures to timely manage the situation rapidly changed by considering all stakeholders. The Company also has the policy of efficiency management in terms of maximizing cost saving and resource