freight saving. This does not have any impact on regional or consolidated EBITDA. 4Core EBITDA is Reported EBITDA less inventory gains/(losses) 5Core EPS is Reported EPS less inventory gains/(losses) less
system. At the end of 2018, the total Capital Adequacy Ratio (CAR) and Common Equity Tier 1 ratio (CET1) stood at 18.3 percent and 15.8 percent, respectively. The evolving business environment in 2018
income includes net fees and service income, gains (losses) on financial instruments measured at fair value through profit or loss, gains on investments, dividend income and other operating incomes. In the
election, which is expected to take place early of 2019. Thai Banking Industry Although the commercial banking system in Thailand is facing challenges from an uncertain economic environment, its lending and
environment, but its lending and deposits in the third quarter of 2018 grew further, with lending expanding at a higher rate than deposits. Consequently, the loan to deposit ratio has risen from the previous
tally with consolidated financials due to holding segment. 3Core EBITDA is Reported EBITDA less Inventory gains/(losses). 4Core Net Profit is Reported Net Profit less Inventory gains/(losses) and one-time
may not always tally with consolidated financials due to holding segment. 3Core EBITDA is Reported EBITDA less Inventory gains/(losses). 4Core Net Profit is Reported Net Profit less Inventory gains
business environment and ongoing changes in regulations. As of September 30, 2019, deposits grew at a higher rate than loans, with the ratio of loans to deposits declining from the end of last year as a
economic environment in the third quarter continued to pose a challenge for commercial banks’ business operations so lending and deposits continued to grow at a slow pace. As deposits grew at a higher rate
transactions. 2Total of each segment may not always tally with consolidated financials due to holding segment. 3 3Core EBITDA is Reported EBITDA less Inventory gains/(losses). 4Core Net Profit is Reported Net