be effective in 2020, the Thai commercial banking system will be more stable and able to support loan expansion in the next phase. Overall Picture of the Bank and its Subsidiaries Million Baht Item

phase. Overall Picture of the Bank and its Subsidiaries Million Baht Item Quarter Change (%) 9 Months Change 3/2018 2/2018 3/2017 2/2018 3/2017 2018 2017 (%) Net profit * 9,030 9,194 8,161 (1.8)% 10.6

partner as well. However, if the Company has the clear picture of wellness project and the exactly figure of investment, the Company will consider the transaction size of acquisition transaction and inform

credit demand and the economic volatility caused by Covid-19. V2 27/08/63 3 Overall Picture of the Bank and its Subsidiaries Million Baht Item Quarter Change (%) H1 Change 2/2020 1/2020 2/2019 1/2020 2

the banking system. Overall Picture of the Bank and its Subsidiaries Million Baht Item Quarter Change (%) 9 Months Change 3/2019 2/2019 3/2018 2/2019 3/2018 2019 2018 (%) Net profit * 9,438 9,347 9,030

activities. Yearly regressions paint a similar picture. 17 (Table IV about here) (Table V about here) (Table VI about here) We find volatility to be negative and significant in six of ten regression, four

/02/62 14:27 น. 5 Overall Picture of the Bank and its Subsidiaries Million Baht Item Quarter Change (%) Year Change 4/2018 3/2018 4/2017 3/2018 4/2017 2018 2017 (%) Net profit * 8,101 9,030 8,496 (10.3

with these changes in order to move forward in a sustainable way. Overall Picture of the Bank and its Subsidiaries Million Baht Item Quarter Change (%) Year Change 4/2019 3/2019 4/2018 3/2019 4/2018 2019

, power generation from renewable energy in Taiwan is expected to be 27,000 megawatts. 1.3 Competition Overall picture in 2017, power industry in Thailand had intensified competition. Electricity purchase

well as changes in consumer behavior. Therefore, Thai commercial banks must be ready for these trends and able to cope with changes in order to move forward in a sustainable way. Overall Picture of the