monitoring given that general elections are expected to take place in early 2019. Thai Banking Industry The commercial banking system in Thailand continues to face challenges from an uncertain economic
consumption and impair household debt serviceability and (5) the sluggish investment demand due to uncertain macroeconomic outlook, tightening credit conditions, and the delays in government budget process. For
highly uncertain situation. V2 27/08/63 5 Operating Income and Expenses of the Bank and its Subsidiaries Million Baht Quarter Change (%) H1 Change 2/2020 1/2020 2/2019 1/2020 2/2019 2020 2019 (%) Net
Total Income 2. Expenses 2.1 Expenses on Borrowing 2.2 Fee and Service Expenses 2.3 Bad debt and doubtful accounts 2.4 Shares of loss of subsidiaries and affiliated 2.5 Operating expenses 2.5.1 Personnel
Share of profit of subsidiaries and associates 1.8 Others incomes Total Income 2. Expenses 2.1 Expenses on Borrowing 2.2 Fee and Service Expenses 2.3 Bad debt and doubtful accounts 2.4 Shares of loss of
margin loans 1.7 Share of profit of subsidiaries and associates 1.8 Others incomes Total Income 2. Expenses 2.1 Expenses on Borrowing 2.2 Fee and Service Expenses 2.3 Bad debt and doubtful accounts 2.4
digital clients so they can increase their revenues and reduce customer servicing costs. V3 22/02/62 14:27 น. 3 Thai Banking Industry in 2019 Global economic growth is likely to be slow and uncertain, while
next book value after reduction of the allowance for doubtful debit as shown on the balance sheet. 2. Risks on Interest Rates Risks on the chanage of interest may cause the damage on the Company in
ordinary share, and the offering price shall be 1.00 Baht (One Baht) per share. These rights are also uncertain, due to the approval of the shareholders meeting. The subscription and payment period of the