deposits in the second quarter of 2018 continued to expand at a similar rate. The loan to deposit ratio (LDR) has risen from the previous year. As the loan quality began to stabilize, the ratio of gross non

expected benefits of the Company in the future from the increase of advertising media which will be able to reach target more precisely and covering various areas, and the economy of scale, which enabling

various areas, and the economy of scale, which enabling the decrease of expense in the business operation of the Company. 7. Basis Used to Determine the Value of Consideration The basis used to determine

future from the increase of advertising media which will be able to reach target more precisely and covering various areas, and the economy of scale, which enabling the decrease of expense in the business

“Mahachai Group”). The Company entered into a loan agreement dated February 17, 2014, with the loan amount of THB 400,000,000, for a period of 5 years, with Mr. Nirum as the lender, and then entered into a

Baht 946 million. - Restructuring of SBLC into deemed loan of USD 12.8 million. Unit : million Baht Y2019 Y2018 Group Revenues 17,416 29,966 Group Net Profit (Loss) 1,457 (2,358) HRC Sales (k tons) 970

change in hotel executives in case of hotel investment; - fact sheet regarding loan procurement (if any) e.g. lender, and status of loan procurement on financial year-end date; - information on REIT return

the banking sector in the year 2018, overall commercial bank loan expanded in line with the economic growth. Consumer loan expanded increasing, while corporate loan grew in several businesses

ranking as the number one in the country of debt management business for Non-Performing Loans (unsecured loan). It is due to the situation of household debt in the country that has been increasing in the

881 Website: www.aapico.com Management Discussion and Analysis for the 2nd quarter of year 2017 3 Malaysia (AQI), interest income of Baht 22 million from a synthetic convertible loan to Sakthi Global