was from revenue in advance and unearned revenue from special promotion program for members. Reserve for long-term employee benefit. As at YE 2018 and 2017, The Group has reserve for employee benefit of

Administrative expenses increased Baht 21.96 million or 10.96% from the corresponding period of the previous year, based on an increase of sales and services and from reserve for impairment of assets of subsidiary

subsidiaries Percentage 1Q18 2Q18 3Q18 4Q18 2018 1Q19 Loan growth 5.7 4.3 3.5 3.8 18.5 1.9 NPLs/ Total Loans (excluding interbank) 4.7 4.5 4.2 4.1 4.1 4.1 Total loan loss reserve/ Total NPLs (coverage ratio

NPLs/ Total Loans (excluding interbank) 5.8 5.8 5.0 4.7 4.5 4.5 Total loan loss reserve/ Total NPLs (coverage ratio) 104.6 104.6 109.8 110.9 113.8 113.8 Total loan loss reserve/ Total mandatory reserve

4.5 4.5 Total loan loss reserve/ Total NPLs (coverage ratio) 104.6 104.6 109.8 110.9 113.8 113.8 Total loan loss reserve/ Total mandatory reserve 185.1 185.1 188.6 186.1 183.0 183.0 4 Profit and Loss

Amount Mobile App with mVISA Support 20,960,700 EDC On-Us with CIP&EDC Acquiring 8,762,800 AEON Systems Master Card Issuing 2,188,400 Total 31,911,900 Name, position and shareholding proportion of the

Myanmar”) Retail Finance 100% General characteristics of transactions: AFS provides the business administration and support to the oversea subsidiaries in order to grow and develop AFS subsidiaries

-phase capacity expansion for the new factory will be completed by the end of Q2/2019 in time to support the recovery of the HDD industry as mentioned. The importing and selling of Standard Cutting Tools

equivalent decreased Baht 97.38 million mostly for purchase of fixed assets. In Thailand, the company invested new medium booth to support new customer orders which will launch to commercial in the 2nd half of

and efficiency of the capital market. This will contribute to the robust and sustainable growth of the economy. We envision opportunities for developing the Thai capital market to support the