enterprises customers, for example: the project of train tracking system development and cargo management of the State Railway of Thailand, the Project of Geographic Information Acquisition and Development for

and business opportunities in each individual sector and area across all industries. In parallel, we focused on the development of technological solutions with the aim of becoming “Customers’ Life

more the resources, R&D and equipment to enhance capability in production and product development. Furthermore, ESPBG’s Sales improved 7.0% over the same quarter of last year, mainly contributed by sales

labor’s cost at the initial stage for training and development of the employee’s skill resulting the high manufacturing cost at the initial stage. If the Company reach the Optimum Level and the installation

and environment – under good corporate governance, appropriate risk management and effective cost management. Prioritizing the development of technological solutions with the aim of becoming “Customers

: 3.1 Data for consideration of approval and inspection of wrongdoings from the Bank of Thailand (BOT), the Office of the Insurance Commission (OIC), and the Revenue Department. In the case where no

and real estate development loans. 6 Meanwhile, cost of fund for 2018 was maintained at 2.3% resulting in loan spread to decline from 5.2% in 2017 to 5.0% for 2018. % 4Q17 2017 1Q18 2Q18 3Q18 4Q18 2018

on loan for 2Q18 declined from 7.6% to 7.2% yoy due to the high growth of loan portfolio in the low yield segment – housing loans, corporate lending and real estate 6 development loans. Meanwhile, cost

declined from 7.6% to 7.2% yoy due to the high growth of loan portfolio in the low yield segment – housing loans, corporate lending and real estate 6 development loans. Meanwhile, cost of fund for 2Q18

from 7.5% to 7.2% yoy from the expansions of loan portfolio in the low yield segment – housing loans, corporate lending and real estate development loans. 6 Meanwhile, cost of fund for 2018 was