V3 27/02/63 0 V3 27/02/63 1 Management Discussion and Analysis Overview of the Economy and Banking Industry Thai Economy in 2019 In 2019, the Thai economy grew by 2.4 percent year-on-year, down from

leveraging of our strength as Thailand’s number-one digital banking provider, with the aim of becoming the Customers’ Life Platform of Choice under our core strategy of Customer Centricity for our business

wrongdoing against a client’s assets by (1) using the client’s credit card to withdraw cash and spending the money for her own personal use, (2) replacing the client’s banking account contact information

V3 22/02/61 10:09 น. 0 V3 22/02/61 10:09 น. 1 Management Discussion and Analysis Overview of the Economy and Banking Industry Thai Economy in 2017 In 2017, Thailand’s real GDP grew by 3.9 percent, up

needs under the “Segment of One” while also placing emphasis on the offering of financial innovations and products, including those of the “Beyond Banking” realm, in order to deliver an excellent customer

had income from services total amount 452.42 million baht, decreased 8.82 %, mainly caused due to revenue from domestic transport by land. Transfer operations under the operation of the company since

%, mainly caused due to revenue from domestic transport by land has been transferred to be operated under the association company since March 2016, the total revenue is decreased. The impact of the bankruptcy

268.63 million Baht, increased 24.52 %, mainly caused income in year 2018 due to the business merger of domestic transport service by land, which is a subsidiary in late 2017 and merger and manufactures

million Baht, increased 16.79 %, mainly caused income in year 2018 due to the business merger of domestic transport service by land by the end of year 2018 as well as its subsidiary both in domestic and

points at the end of 2018. Overall Business Operations The Bank’s loan portfolio during 1Q19 grew 1.9% with growth driven by corporate banking loans, real estate development loans and housing loans while