tourism sectors potentially slowing down partly from the continue trade tensions between the US and China. Meanwhile, consumption could potentially be limited by the depressions in farm income and high

% of the total issued and sold shares of Permata, the indicative transaction value could be IDR 42,001,080 million (approximately US$ 3,000 million or THB 90,909 million). Therefore, the indicative

institutions, or use as working capital which could reduce the financial support to PD by the Company in the long run. Page 13 of 17 1.12 Opinion of the Audit Committee and/or the Director which is Different

policy to invest in structured notes, the risk level could range between level 4 and level 8, depending on the return structure of underlying assets. ▪ Investors who can accept the volatility of

structured notes, the risk level could range between level 4 and level 8, depending on the return structure of underlying assets. ▪ Investors who can accept the volatility of alternative assets prices which

a policy to invest in structured notes, the risk level could range between level 4 and level 8, depending on the return structure of underlying assets. ▪ Investors who can accept the volatility of

decline could be attributed to an increase of Baht 1,493 million or 16.36 percent in our impairment loss on loans and debt securities to cope with economic uncertainties. Operating profit before provision

could be attributed to a decrease of Baht 221 million, or 2.08 percent in impairment loss on loans and debt securities and an increase of Baht 835 million, or 2.13 percent in net operating income which

are deemed urgent or necessary.  Provisions regarding consumer protection were added help ensure safety for any “harmful service” that has caused or could cause harm to persons' life, physical or

. Employees: Human rights protection has been included in the Code of Conduct as a guideline for respecting human rights and for avoiding any action that could be deemed a human rights violation. 3