the statement of claim. The respondent shall deposit the arbitrator’s fee in accordance with Clause 32 at the same time of filing the counterclaim, or within the last day of the counterclaim filing

totaled Baht 1,386 million, an increase of 21.2% yoy from the growth in deposit consistent with the overall expansion in loan portfolio. Cost of funds for 1Q19 remained stable at 2.3% comparing to 1Q18. For

Liabilities decreased by THB101 million due to repayment of loan repayment. • Non-Current Liabilities increased by THB 1,277 million, mainly from bond issuance in September 2018 and deposit received for

interest rate which the Company agreed with JAS to pay is an interest rate at the fixed deposit interest rate of 12 months weighted average of three major financial institutions (i.e. Bangkok Bank, Krung

from investment activities subtracting by payment of plant construction, purchase of machinery of THB 144.37 million, investment in fixed deposit at financial institution of THB 500 million, dividend

well-prepared, and ready to fine-tune business strategies in a timely manner to remain competitive. 4. Regulatory Risk Given that commercial banks are deposit-taking institutions which play a vital role

deposits rose from 96.3 percent at the end of 2017 to 98.3 percent. The Liquidity Coverage Ratio (LCR) stood at 184.2 percent. For liquidity management, commercial banks are placing great emphasis on deposit

2,370,792 2,340,979 6.1% 7.4% Loan to deposit ratio 84.2% 86.9% 86.7% (2.7)% (2.5)% Non-performing loan (Gross NPL) /1 85,240 79,149 83,668 7.7% 1.9% Gross NPL to total loans ratio /1 3.5% 3.4% 3.5% 0.1

- 5 - transaction is within the approval authorization of the Board of Directors, without requiring to report the information to the Stock Exchange of Thailand as well as arrange of the shareholders

and approval to acquire the entire business from SQL. In this regard, the executive directors or any person will be assigned to have an authorization for consideration, approval or any action which is