impacting as we saw a 1.7mTHB increase in finance cost. Income tax was slightly higher as the portion of BOI was lower compared to the same period in 2017. Net income was lower due to the higher financing

profit attributable to owners of the Bank slightly fell by Baht 99 million. Net interest income declined by Baht 1,230 million, due mainly to lower transaction volume and yields as the market’s interest

14.22% in 9M2016 to 16.59% for 9M2017. Other Income The consolidated other income in 3Q2017 was THB 81.23 million, dropped by THB 4.57 million or 5.33% down from 3Q2016, predominantly from lower gain in

may lower farm income and 4) on going high level of household debt limiting household consumptions. Meanwhile, in the auto industry, the total number of car sales for the first five months of 2019 still

partners, particularly China which may impose risks to exports growth 2) political uncertainties which may impact investments and consumptions 3) risks of drought which may lower farm income and 4) on going

household debt including lower household income especially in the non-farm sector limiting household consumptions. Meanwhile, in the auto industry, the total number of car sales for the first eight months of

debt including lower household income especially in the non-farm sector limiting household consumptions. Meanwhile, in the auto industry, the total number of car sales for the first 9 months of 2019

% down comparing to income tax expense of THB 305.49 million in 2017. A decrease in income tax expense in 2018 was impacted by lower deferred income tax expense comparing to 2017. GFPT Public Company

THB 10.81 million, increased by THB 0.52 million or +5.08% YoY due to the increase in profit before income tax expense. However, the growth rate of income tax expense is lower than the growth rate of

impact of BOI. EBITDA was 4% lower than 2016, however Q4 showed significant improvement versus same period last year. Moreover, net income has increased 4% as there was lower depreciation for the year