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E_1 Legal_FA_2015_12_29-c A brWCorpL.1hig A Executive Summary Management Discussion and Analysis For the Quarter Ended March 31, 2018 In the first quarter of 2018, Thai economic growth gained
over-year, decelerating from the growth of 5.17 percent at the end of 2018. Meanwhile, deposits equaled Baht 13.057 trillion, an increase of 3.81 percent, slightly decreasing from the growth of 3.96
loss on loans at several commercial banks. Moreover, they recorded net profit from investment and an increase in net interest income in line with loan growth, especially high-yielding loans. Meanwhile
increase in net interest income which was derived mainly from expansion in retail and SME business loans, in line with growth in net interest margin (NIM). Excluding gain on investments of certain banks in