the expanding capacity of subsidiaries. 3. Selling and administrative expensed decreased by Baht 5.21 million or 5.73 % the main reasons are the expenses incurred from the decreasing of personal

. Cost of hospital operations & Administrative expenses increased by Baht 29.44 million or 10.92 % due to the Medical personal expenses also increased because of the expanding capacity of subsidiaries. 3

whether organize seminar, event and more. The company will continue to develop in order to sustain its future growth as well as adhering the security, job expanding and consideration of all stakeholders

increased. 2. Cost of hospital operations & Administrative expenses increased by Baht 199.42 million or 9.04 % due to the increasing of medical personal expenses and the depreciation because of the expanding

derivatives and structured notes. The revisions include expanding underlying assets of derivatives and SN to cover all investible assets as well as revising SN definition and underlying assets in the category

investors better. Key changes in the amendment include:- Expanding the payment amount of redeemed investment units on the unit trading day- Allowing asset management companies to fix the fund’s constant net

. Management Discussion and Analysis 2.1. Selected Financial Position and Operating Results 2.2. Cash Collection from NPLs and NPAs Management Businesses 2.3. Vintage Analysis 2.4. NPLs by Portfolio

may hinge mainly on recovery in economic activity. Amid the ongoing transition to the digital age in 2019, commercial banks may have to brace for intensified competition, especially in expanding their

exports which rose by 5.3% YoY as well as continued recovery in private consumption which expanding by 3.1% YoY. Nevertheless, Thailand's advertising industry reported a decline of 6.0% YoY to THB 101,445mn

MI) 2 (%) 25.6% 22.3% Average collection period7 (days) 80 58 Return on equity3 (%) 11.8% 20.1% Payable days (days) 98 143 Efficiency Ratios Leverage Ratios Return on assets4 (%) 9.8% 16.7% Liability