in Thailand maintained their good performance with adequate capital to support their business operations. The combined net profit of the Thai commercial banking system was Baht 207.2 billion, a 10.8

data, particularly those from outside the company. In addition, any forward looking statements are subject to change as market conditions and actual outcomes may differ from forecasts. BAM makes no

costs but these efficiencies will not cover the full impact. We are communicating the rise in input costs to our customers as there will be a price rise as a consequence. Q1 2018 Q1 2017 YoY change YoY

corporate governance. Another key change to the assessment is the introduction of an independent validation in addition to the existing peer-review process. The enhancements are being introduced to strengthen

Bank and its Subsidiaries Million Baht Item Quarter Change (%) 1/2019 4/2018 1/2018 4/2018 1/2018 Net profit * 9,028 8,101 9,005 11.4% 0.3% Earnings per share (Baht) 4.73 4.24 4.72 11.4% 0.3% Net

past several years. Also, the change in accounting standards, which effective in 2020, affects the scheme of provision allowance for non-performing loans of financial institutions. However, it is

the same period last year, reflecting the concentration of domestic demand. This, combined with structural factors such as the expansion of the global value chain and e-commerce, increased the

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

, particularly 3-in-1 Coffee and RTD Coffee of which the combined generated sales of THB 203 million and THB 379 million for the 3-month and 6-month periods ending 30 June 2017, respectively. Apart from launching

play a vital role in the Group’s domestic expansion in the future, particularly 3-in-1 Coffee and RTD Coffee of which the combined generated sales of THB 203 million and THB 379 million for the 3-month