Group Public Company Limited Management Discussion and Analysis for the Third Quarter ended 30 September 2018 Page 5/21 The bank has provided the services in the various deposit accounts such as Saving

Bank’s international network. The ratio of non-performing loans (NPL) to total loans was 3.6 percent. The Bank’s total allowances for doubtful accounts amounted to Baht 151,515 million, which will be an

higher revenues from collection of purchased accounts receivables and debt tracking services. For 9-months period of 2018, the Company’s net profit was 374.3 million baht which increased 26.1 percent from

. The bank has provided the services in the various deposit accounts such as Saving Super Shield Account, Saving Deposit Account, Non-Fixed Deposit Account, Current Account, Fixed Deposits Account and Tax

) 17.17 (2,814.75%) 7.58% (0.35%) Doubtful accounts (0.08 ) (1.63 ) 1.55 (95.09%) (0.04%) (0.93%) Finance costs (46.63 ) (50.61 ) 3.98 (7.86%) (21.34%) (28.81%) Tax income (expense) (6.35 ) (2.69 ) (3.66

the delay. Therefore, the Company considered to record allowance for doubtful accounts with total amount of such unbilled 3 Months 2019 2018 Change 2019 2018 Change 2019 2018 Change Engineering 196 167

also approved and authorized the Chairman or a designee by the Chairman to final the details of the investment for relevant documentation and actions 7. Approved the related parties transaction as the

application together with the correct and complete evidentiary documentation, provided that the Thai feeder fund meets all the applicable requirements and all outstanding issues are addressed to the

having duty as prescribed in the second paragraph of Clause 3(2)(a) shall keep evidentiary documentation or information supporting the reason for allocating shares to any person in the value more than 100

evidentiary documentation or information supporting the reason for allocating shares to any person in the value more than 100 million baht at the head office for at least one year as from the closing date in a