production and distribution of biodiesel from CPO industry, which is the inherent risk that significantly impact on the Company's performance that is the risk of fluctuation in CPO price; mostly caused by the

and distribution of biodiesel from CPO industry, which is the inherent risk that significantly impact on the Company's performance that is the risk of fluctuation in CPO price; mostly caused by the

delivering an excellent customer experience in order to empower every customer’s life and business, we prioritize the offering of attentive and inclusive services as a trustworthy service provider. We can

: FORTUNE PARTS INDUSTRY PUBLIC COMPANY LIMITED FPT: FRASERS PROPERTY (THAILAND) PUBLIC COMPANY LIMITED FSMART: FORTH SMART SERVICE PUBLIC COMPANY LIMITED FSS: FINANSIA SYRUS SECURITIES PUBLIC COMPANY LIMITED

awards we received in this quarter. B Contents Page Executive Summary A 1. Overview of Operating Environment 1 1.1 Global and Thai Economy in the First Quarter of 2019 1 1.2 Banking Industry and

Revenues 6,494.0 7,354.0 -860.0 -11.7 Sales and service income 6,436.4 7,152.6 -716.2 -10.0 Gains on exchange rate 2.8 110.9 -108.1 -97.5 Other income 54.8 90.5 -35.7 -39.5 Cost of sales and services 5,880.6

to the operation of the MRT Blue Line which was operated in full commercial service on March 30, 2020. The Company had revenue from main business of Baht 3,572 Million representing a decrease from the

and Bang Sue -Tha Phra) was at 92 percent slightly earlier than the plan. However, the Company has operated trial run service from Wat Mangkon Station to Tha Phra Station in MRT Blue Line Extension on

businesses. (2) In 2019 the Group adjusted the accounting classifications of Costs of Sales and Service and Selling Expenses to be more suitable and in line with other companies in the same industry. In the

Financial Group Public Company Limited Management Discussion and Analysis for the Year ended 31 December 2017 Page 5/21 1. Deposit Account Service The bank has designed the new deposit account services