company has decided to invest in new partnership company together with SUT Global due to SUT is a contractor specialist together with an exceptional and unique technology in construction service. In

believed that EVER will almost certainly obtain a development license for the project. Besides, the land location close to a lake offers a unique perk hard to gain under normal circumstances. When

leveraging of our strength as Thailand’s number-one digital banking provider, with the aim of becoming the Customers’ Life Platform of Choice under our core strategy of Customer Centricity for our business

Deposit Baa1 Baa1 Baa1 Short-term Deposit P-2 P-2 P-2 Senior Unsecured Debt Instrument Baa1 Baa1 Baa1 Subordinated Debt Instrument Baa3 Baa3 Baa3 Financial Strength (BCA) baa2 baa2 baa2 Outlook Stable

still intense competition together with exchange rate fluctuations causing the sales of this product of the company to decrease. However, the company expects that with the strength of sale channel and

Baa3 Outlook Stable Stable Stable Financial strength (BCA) baa2 baa2 baa2 Financial strength outlook Stable Stable Stable Standard & Poor’s Long term - Debt instruments BBB+ BBB+ BBB+ - Deposits BBB+ BBB

instruments Baa1 Baa1 Baa1 Subordinated debt instruments Baa3 Baa3 Baa3 Outlook Stable Stable Stable Financial strength (BCA) baa2 baa2 baa2 Financial strength outlook Stable Stable Stable Standard & Poor’s

from overall F&B business is not less than THB 100mn in 2018. On Financial strength and cash flow, the Company recently get approved from 2018 Annual General Meeting of Shareholders to maintain debenture

business in Singapore with Baan Ying Group. We saw a good trend in this business and are preparing infrastructure for branch expansion. On Financial strength and cash flow, the Company has paid back full

operation business as GSTEL was currently in the process of debt restructuring and seeking funds from external source with aim to enhance its balance sheet and improve their financial strength. The Company’s