, due to the deceleration of revenues. However, the Company can maintain its operating and administrative expenses well through the Digitalization process, resulting in the 9M/2023’s Cost-to-Income Ratio

, the Company can maintain its operating and administrative expenses well through the Digitalization process. The operating and administrative expenses accounted for 47% of total expenses. - Expected

maintain an adequate cushion for NPL in the banking system. Overall Picture of the Bank and its Subsidiaries Million Baht Item Quarter Change (%) H1 Change 2/2019 1/2019 2/2018 1/2019 2/2018 2019 2018

commercial banks during the remainder of 2019, loans – a core business – are likely to maintain their growth. However, overall loan growth will depend mainly on economic recovery, which may become more

exsisting shareholder proportionally purchase the newly issue warrant as described above. (2) GS can distribute water supply to enuser and reservoir can maintain an average water for distribution not less

borrowing of securities for making a short sale. Such agreement shall include a statement that the client gives consent to the securities company to retain securities purchased in a margin account or cash

of 2016. Looking ahead into the final quarter of this year, loans are set to maintain growth. Business loans, in particular, are expected to receive a boost from revival in economic activity and the

with the network of retailers, retain trust among consumers, bring in new target and develop into a tool for any new product launch in the future. Overseas sales of energy drinks were THB 7,058 million

/or technology upgrade offered at the same price points to retain existing base and also attracted new demand. The high-end packages with faster speed were also made more affordable to attract demand

Environment Mobile market continued to grow following customer behavior using more mobile data while 4G penetration expanding. Handset subsidies stay as a key attraction for operators to acquire and retain