net interest income that rose Baht 4,483 million, or 5.00 percent, which came mainly from rising interest income from investments and interest income from interbank and money market items, as well as

totaled Baht 9,929 million, decreasing Baht 115 million or 1.15 percent from the previous quarter. KBank still recorded increased income. As evidenced, both net interest income and non- interest income rose

discount campaign for the Hi-Premium diesel. The latter was to support the government sector’s promotion of environmentally-friendly fuel to dissipate the pollution situation, and at the same time, support

consisting of Interest expense from bank creditors amount of 23.42 million baht, interest on short-term loans amount of 1.63 million baht, interest of debentures amount of 21.74 million baht, delayed interest

(including principal and interest) Interest Rate Market interest rate on the transaction date Tenor of the B/E Within 6 months Interest payment date One time pay back at the maturity date Early Redemption None

Beneficiary Value of the Transaction 90 million Thai Baht (including principal and interest) Interest Rate 3.20% p.a. Tenor of the B/E 91 days Effective from 18 August 2017 to 17 November 2017 Interest payment

GSC had applied the proceeds from the offer of sale of ordinary shares to the public (IPO) and its revolving capital in a loan to  ACAP, its major shareholder (64%) for a short term at the interest

for the principal repayment period no longer than six months at the interest rate of 12.5 percent per year. The GJS Board of Directors approved the loan proposal on 16 March 2017. The GJS Board

. Insider trading is prohibited and other types of self-dealing and conflicts of interest are regulated. The SEC actively monitors the market for abusive practices. Institutional investors regularly vote

of THB 897 million from the corporate income tax in 2007, 2009 and 2010, including the interest income from the tax return in the amount of THB 401 million. 5 | Management Discussion and Analysis of