. Rulemaking is a tangible start for all parties involved in any particular matter to self-adjust in order to achieve respective goals, and subsquently strengthen market credibility, balanced market ecosystem

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that the Group could be unable to fully adjust its methods of distribution in line with new client expectations at all times and this could negatively impact sales and profitability. Any change in the

tax – all of which will come into force during 2019-2020, as well as other regulatory changes both at home and abroad in the future. Commercial banks must therefore adjust their business undertakings in

to adjust the cost. Payment, will be on 2019 after the board approves. Opinion of Board of Directors including Audit Committee The Board of Director’s meeting, where there was no directors who have

bargain purchase at the amount of 33.64 million baht in Q4/2018 but the actual acquisition transaction was completed in Q2/2018, so we adjust the financial statement of 2018 by recording such profit in Q1

, the changes are as follows: - 1) total assets as of 31 December 2018 before retrospectively adjust was THB 14,329.7mn and after the retrospectively adjust was THB 14,376.4mn, an increase of THB 46.7mn

competition, and the merger of the business of many companies etc. The company's policy in 2018 is to maintain its customer base and domestic sales both of adjust the sales strategies and products improvement

are illustrated as below: 1) total assets as of 31 December 2018 before retrospectively adjust was THB 14,329.7mn and after the retrospectively adjust was THB 14,376.4mn, an increase of THB 46.7mn. 2

December 2018 before retrospectively adjust was THB 14,329.7mn and after the retrospectively adjust was THB 14,376.4mn, an increase of THB 46.7mn. 2) the total shareholders’ equity as of 31 December 2018