million baht. As a result, the expense to income ratio (Cost-to-Income Ratio) this year increased to 39.7%, driven from the expansion of subsidiaries in overseas. However, the Company will be able to manage

; Malaysia dealership business reported a 19.1% growth in revenues driven by higher sales of Honda. However, Thailand dealership business reported a 17.5% decline in revenues due to slower sales caused by

year on year by 2.2%. The revenue from hire purchase increased 28.9% and other income increased 26.5%, mainly driven by the gain on sale of investment in AEON Microfinance (Myanmar) Co., Ltd. to AEON

party products in both general consumer goods and alcohol beverage categories. Following this, revenue growth from 3rd party products for distribution has been driven by the diversity of selective

owners of the Bank of Baht 9.2 billion, an increase of Baht 189 million or 2.1 percent. Net interest income rose by Baht 450 million or 2.6 percent, mainly driven by an increase in interest income from

China, following the boat accident in Phuket, and Russia, following the sanction imposed by the US, and last but not least, 4.) other supporting factors, namely public investments driven by state-owned

loans and other consumer loans is likely to pick up. Meanwhile, auto-leasing loans will be driven by demand for automobiles from groups that have not been badly affected by the Covid-19 situation, and

receivable of 75,824 million baht, increasing by 15% y-y from 66,128 million baht in fiscal year 2016, driven by credit card receivable. This can be categorized by business type as follows: credit card

driven by global trade recovery and well-performing trading partners’ economies. Also, tourism sector robustly expanded, reflected from an increasing number of international tourist arrivals especially

driven by advertising income from a large mobile phone operator in 2017 but the Company only had income from small and medium businesses in 1Q18. However, new income will be recognized in 2Q18 – 4Q18. The