% or THB 13,902mn from 31 December 2017, mostly from the EBT of UE, which was funded by a capital increase via issuance of preferred shares in the first quarter  Net debt to equity ratio as of 31

) (45,738) 10% 5% (82,597) (89,093) 8% Gross Profit 3,858 2,181 2,588 -33% 19% 7,186 4,768 -34% Interest income and dividend income 12 37 31 163% -16% 28 68 142% Other income 181 81 77 -57% -5% 240 159 -34

sufficient to compensate for losses that may be incurred from a borrower’s debt default.  Financial Institution Business Act (No. 3) B.E. 2561 (2018) Financial Institution Business Act (No. 3) B.E. 2561 (2018

expand their business as criteria for consideration of their debt servicing ability, provided that clear and reliable documentary evidence is submitted.  Act Exempting Tax Penalties, Surcharges and

institutions resulting in lower interest-bearing debt as well as reduced loan interest rates. Interest-bearing debt at the end of Q2/2020 was Baht 6,499.7 million, increased by Baht 808.7 million or 14.2% from

-869-323 Fax: (66) 038-869-333 – Unofficial Translation – No. GST/ELCID-13/2019 August 9, 2019 Subject: The Debt to Equity Conversion, the Increase of Registered Capital, the Allocation and Offering of

30 JUNE 2017 Not yet due 577 488 Up to 6 months 93 195 Over 6 months 39 44 Total 709 727 % of total receivables 93.0% 89.0% Allowance for doubtful debt 34 33 % of total receivables 4.5% 4.0

) securities; (3) other assets; (4) any benefits accruing from the assets under (1) - (3), for example, right in dividend or interest or right to purchase newly issued shares and right to attend and to vote in a

; (4) any benefits accruing from the assets under (1) - (3), for example, right in dividend or interest or right to purchase newly issued shares and right to attend and to vote in a meeting of securities

due to THB appreciation against EUR and GBP • Net debt to equity ratio as of 30 June 2019 was 0.56x, comparing with 0.55x at the end of last year SIGNIFICANT EVENTS 4 major renovation works of Vienna