the currencies fluctuation is at a lesser level due to the Company has adopted its functional currency to be USD since year 2019 in order to better fit the Company’s recent operation and that the

domestic market that has seen increased import of Tabletop Glassware due to strong Thai Baht. Thai Baht appreciation against all major currencies significantly affected export sales. Domestic sales portion

the impacts derived from the currencies appreciation is at lesser level due to the Company has adopted its functional currency to be USD since beginning of year 2019 in order to better fit the Company’s

interest income from interbank and money market items and loans, while interest expenses on deposits increased from higher deposit volume. Non-interest income increased by Baht 179 million or 1.6 percent due

the redemption of debentures, while interest expenses on interbank and money market items increased. Non-interest income fell by Baht 330 million or 2.8 percent, due largely to lower gains on

be granted an approval does not exceed the quota determined by the Bank of Thailand for controlling the execution of transactions in the capital market related to foreign currencies. Chapter 2 Language

of money transfer transactions per day was 30,006 transactions, Increasing 30.1% YoY Business Overview Quarter Quarter Quarter Quarter Quarter Y.2017 Y.2018 %YoY 4/2017 1/2018 2/2018 3/2018 4/2018

3.5% YoY. However, the money transfer service, of which the Company is the banking agent for 6 banks, has been growing consistently with 1,159,351 transactions per month, increasing 25.3% YoY, as well

business was Bt804mn, decreasing 5.3%YoY  Number of “Boonterm kiosk” was 129,011, decreasing 0.7%YoY  Total usage amount was Bt10,430mn, decreasing 1.7%YoY  Total average number of money transfer

selling B20 Diesel in Bangchak Service Stations under the “B20 for large vehicles, reducing pollution, and saves money” campaign introduced by the Ministry of Energy for large vehicles, to help ease the