there are not yet substituted products. 3) This project that the Company will invest in is the assets which generate a reasonable return and support a stable growth and income of the Company in the future

generate a reasonable return and support a stable growth and income of the Company in the future. The project is expected to complete at the end of the year 2019. In addition, the Company’s profit can be

1.50 percent for almost all of 2018 to accommodate domestic economic activity, which is continuing along a stable recovery path. 1.2 Banking Industry and Competition In the second quarter of 2018

remained stable at 4.1% from the end of 2018. On Special Asset Management business, the Bank sold non-performing assets (NPAs) totaling Baht 171 million and had gain of Baht 64 million. Financial Market

consistent with the overall expansion in loan portfolio. Cost of fund for 2Q18 remained stable at 2.3% yoy . For the three month period ended Consolidated Change Jun 30, 2018 Jun 30, 2017 Baht million

90 111 (21) (18.9) Others 5 1 4 351.6 Interest expenses totaled Baht 1,224 million, an increase of 18.9% yoy mainly from the growth in deposit and borrowings amount consistent with the overall

-competitive environment. The revenue recorded at Bt10,064mn, an increase of 19% YoY. AIS focuses on a fixed-mobile- content convergence (FMC) strategy alongside consistent service standards and introducing

using the company’s engineering knowledge to be used in creating new products and services. 8.2 A source of long steady stream of revenue with low risk. The management of the company is expecting to start

“Stable outlook”. On February 19, 2020, Fitch Ratings Inc. downgraded the company’s rating from AA- (tha) to BBB+ (tha) with a stable outlook and withdrawn the Rating Watch Negative. 1.5 Annual General

customers in Bangkok. 1.4 Company’s credit rating On February 17, 2020, TRIS Rating Co., Ltd. rated the company for the first time on the Standalone basis at “A-” with a “Stable outlook”. On February 19, 2020