of Things (IoT) will make security systems more vulnerable to cyberattacks. Looking forward, cyber security risk will remain critical in line with an increasing volume and value of economic and

Asian central banks reduced their policy rates continuously. Looking domestically, Thailand’s economic activity in many sectors declined in line with the overall global economy. The tourism sector in

while also improving efficiency in the Conglomerate’s risk and reserve management as well as capital adequacy and liquidity position assessment for improvement of the Conglomerate’s forward-looking and

revised upward the 2017 global economic projection to 3.7 percent, and projected that the world economy may see even brighter growth of 3.9 percent in 2018. Looking forward into 2018, economic activity

correctness of the information contained herein. Further, nothing in this document should be construed as constituting legal, business, tax or financial advice. This material contains “forward-looking

based on 12 month expected losses. For Stage 2 and Stage 3, the standard requires ECL allowances based on lifetime expected losses. Moreover, ECL also incorporates forward-looking economic scenarios into

herein. Further, nothing in this document should be construed as constituting legal, business, tax or financial advice. This material contains “forward-looking” statements that relate to future events

Bearing Debt to Equity Ratio was 2.31 times increase from 2016 which was 2.00 times. Forward Looking The Company believed that Fintech Business and Technology Disrupt will soon change a landscape of

contains “forward-looking” statements that relate to future events, which are, by their nature, subject to significant risks and uncertainties. These forward-looking statements reflect our current views with

information contained herein. Further, nothing in this document should be construed as constituting legal, business, tax or financial advice. This material contains “forward-looking” statements that relate to