of financial instruments 433 - - - 433 - 433 100% Profit (Loss) before the effects of foreign exchange, deferred income tax and lease income 2,899 2,619 (21) (25) 2,878 2,594 284 11% Deferred income

offer for sale of equity instruments, debt instruments, and derivative warrants; 2. Related party transactions (RPT) of the listed company that are required to obtain approval from the shareholders, and

offering special investment privileges in order to drive private investment in the area. 2. Digital Disruptions to Banking – Rapid growth in the use of smartphones and tablets enables consumers to increase

Gain and return on financial instruments decreased of Baht 190.32 million whereas Operating expenses decreased mainly from Employee expenses decreased of Baht 126.50 million and The allowance for

income includes net fees and service income, gains (losses) on financial instruments measured at fair value through profit or loss, gains on investments, dividend income and other operating incomes. In the

COVID-19 pandemic situation. 4. Gain from derivatives recorded at THB 283 million, attributed to the derivative measurement under TFRS 9 in regards to Financial Instruments standards which were put in

businesses. Focus has been on formulating area- based lending strategies given the uneven economic recovery. We continued to prioritize risk assessment through prudent screening and close monitoring of

the “One Card for Use Every Day” strategy to spur greater spending via numerous campaigns across all spending categories in every area. Moreover, we employed digital marketing to communicate with our

clarify the main reasons for the change in profits as follows: The second quarter of 2017/2016 1. The Company’s gains and returns on financial instruments decreased from Baht 367 million in 2Q2016 to Baht

to 19.96 million baht, decreased by 14.98 million baht or 42.87 percent was mainly by the decrease of margin loans business. 4) Gain and return on financial instruments from consolidated statements