its subsidiaries recorded selling expenses of Baht 204 million, quite unchanged YoY. Selling expenses to sales was 15.0%, an increase from 13.4% in Q1/2017 due to lower sales. Q1/2018 Administrative

ratio of Domestic: Export was 62:38, unchanged from the same period last year. 1,760 1,500 1,000 1,100 1,200 1,300 1,400 1,500 1,600 1,700 1,800 Q3/16 Q3/17 - 2 1 % Y o Y - 1 7 % Y o Y - 2 1 % Y o Y - 1 7

SME loans will be relatively stable compared with the previous quarter. Demand for consumer loans is likely to decrease significantly due to the Covid-19 outbreak and public health measures. Some

Plants and IRPC Clean Power (IRPC-CP) together with profit realization of Ichinoseki Solar Power 1 GK (ISP1) due to stable weather condition compared to Q1/18 in which there had been heavy snow in Japan

margin (NIM) recorded a minimal increase after being stable during the first half of this year given that most commercial banks continued to focus on funding cost management. As of the end of the third

1.50 percent for almost all of 2018 to accommodate domestic economic activity, which is continuing along a stable recovery path. 1.2 Banking Industry and Competition In the second quarter of 2018

unchanged from previous year despite the decrease of SW income . Non-SW income has more than offset the unfavorable SW income while cost has been under control. Page 3 of 4 Statement of Financial Position as

profits remain unchanged. Revenue from Sales The company has revenue from sales in the fourth quarter in the amount of 1,416.8 million Baht increased by 1.0 percent compared to the same quarter of the

%, respectively. The higher ratio on a period-on-period basis was attributable to the Company has some fixed costs that unchanged irrespective of the revenue in the first quarter of 2017. Selling expenses The

costs that unchanged irrespective of the revenue in the first quarter of 2017. Selling expenses The Company booked selling expenses amounting to Baht 1.15 million and Baht 3.18 million for the nine-month