0.5% 2.0% Real estate and construction 200,467 199,224 202,600 0.6% (1.1)% Agriculture and mining 55,228 53,134 51,498 3.9% 7.2% Others 284,814 285,538 313,565 (0.3)% (9.2)% Total 2,017,314 2,029,810

/61 14:31 น. 9 Portion of Loans by Business Type Manufacturing and commercial Utilities and services Housing Real estate and construction Agriculture and mining Others Million Baht Loans by Business

and construction Agriculture and mining Others Million Baht Loans by Business Type * September 2018 June 2018 December 2017 Change (%) June 2018 December 2017 Manufacturing and commercial 814,559

455,288 451,557 455,969 0.8% (0.1)% Housing 246,986 244,951 240,047 0.8% 2.9% Real estate and construction 200,942 200,467 202,600 0.2% (0.8)% Agriculture and mining 58,757 55,228 51,498 6.4% 14.1% Others

global investors to reallocate assets away from emerging markets. In Thailand, foreign investors adjusted their portfolios downwards with total net selling of 35 billion baht over the first three quarters

regulations by its government. Moreover, the market demand was improved by having demand from agriculture sector and construction sectors that stocked its product for sales during summer in China. Due to demand

supported by the Green Bond market. Green Projects include other related and supporting expenditures such as R&D and may relate to more than one category and/or environmental objective. Three environmental

(aka “climate change”) 2 Thailand GHG Emissions (By Sector in 2018) Energy Industry Agriculture LULUC & Forestry Waste 61% 17% 16% 3% 3% 8 Climate Change 101 9 General reasons to do GHG accounting

practical issues and challenges faced in the course of their audits. In February, June and October 2014, the SEC participated in three meetings of the International Organization of Securities Commissions

’ increasing reserves and the relatively high level of capital will continue to provide a cushion for the system’s NPL. Factors Affecting Banking Industry Performance Over the next two to three years, government