million, causing from consulting fee for accounting, legal, roadshow and press conferences to investors approximately THB 8.52 million, allowance for impairment loss on hotel assets of THB 11.56 million

31 December 2019, BAM has Total assets of Baht 115,789.67 million) In 2019, BAM foresees the economic growth to be maintained at low level and that there will be an ample supply of NPLs and NPAs coming

to Baht 384.5 billion or 12.6 percent of total assets. The book value per share was Baht 201.45, an increase of Baht 2.89 from the end of 2016. Operating Income and Expenses of the Bank and its

P a g e 1 | 7 Management Discussion and Analysis For the nine-month period ended September 30, 2017 The analysis of consolidated financial position as at 30 September 2017 The group’s assets

in foreign currency exchange rates. This resulted in basic earnings per share of Bt0.23 for the first quarter of 2019. Total Asset Total assets as of March 31, 2019 amounted to Bt17,775 million

increase in the cost of goods sold, a reduction in gross margin, as well as the appreciation of the THB. This resulted in basic earnings per share of Bt0.14 for the second quarter of 2019. Total Asset Total

Bt213.3 million, an increase of 1.7% Q-o-Q but a reduction of 58.0% Y-o-Y. This resulted in basic earnings per share of Bt0.22 for the third quarter of 2019 and Bt.0.58 for the nine months of 2019. Total

period last year. Net loss attributed to owners of the parent was THB 26.55 million, dropped by 84.57% from THB 172.13 million from those of same period last year. FINANCIAL POSITION Assets As of Q1-2020

0.74% to (2.53%) An decrease in net profit is mainly contributed by the unrealized loss from fair value assessment of financial assets during Q3/2020 at THB 71.63 million and provision of obsolete stock

1.0% 4.5% 27,814 27,229 2.1% Earnings per share (Baht) 4.94 4.90 4.73 1.0% 4.5% 14.57 14.26 2.1% Net interest margin 2.35% 2.36% 2.42% (0.01)% (0.07)% 2.39% 2.38% 0.01% Net fees and service income to