. Data from the Bank of Thailand indicate that the land price index in Thailand grows continuously, with an average growth rate of 6.15 percent during 2008 - 2018. Moreover, the Agency for Real Estate

Properties REIT Company Limited, the Company’s subsidiary was approved by the Securities and Exchange Commission (SEC) to be the REIT Manager of Real Estate Investment Trust (“REIT Manager”) for five years

-Value (LTV) ratio for mortgage loans which led to a decline in bank lending to the real estate sector. The Bank of Thailand also implemented policies to encourage commercial banks to focus on sustainable

the statement of comprehensive income when the real estate project has been completed and transferred to the customers after completion of the payment. Despite the disposal of assets, the Company has

accordance with the resolution of the Board of Directors’ Meeting No. 3/2018, held on 26 February 2018, approving an investment in real estate project relating to hotels and resorts which is considered as an

by 9.4, 4.5 and 4.1 percent, respectively. SME loans grew due to increases in lending to energy, real estate and construction sectors, while corporate loans grew due mainly to increases in lending to

commercial 801,647 819,481 813,319 (2.2)% (1.4)% Utilities and services 446,513 455,969 404,036 (2.1)% 10.5% Housing 243,754 240,047 229,441 1.5% 6.2% Real estate and construction 199,224 202,600 203,566 (1.7

prudent credit policy in order to maintain overall portfolio quality. We thus held co-promotions with our real estate business partners targeting specific groups of customers through the offering of a

Company Limited, (iii) Siripat Three Company Limited and (iv) Bangkok Sky Sukhumvit 34 Company Limited are now joint venture companies between the Company and Sansiri for the purpose of real estate

30,889.5 27,844.6 3,044.9 10.9 Real estate and construction 22,884.5 20,789.9 2,094.6 10.1 Public utilities and services 38,426.4 38,074.2 352.2 0.9 Housing loans 28,746.0 29,134.9 (388.9) (1.3) Financial