Oxide platforms. The acquired businesses is fully integrated downstream in Surfactants used in personal home care and in Propylene Oxides used in insulation and foam materials. These leading downstream

6-7% and stable HVA margins for automotive, personal hygiene and industrial fibers. In the Necessities fibers portfolio, margins improved in 1Q 2018 and are expected to continue to remain strong due

2.5 Hire Purchase 104,609 51.3 103,926 53.9 0.7 Personal loan 5,941 2.9 5,745 3.0 3.4 Micro SMEs loan 5,485 2.7 5,031 2.6 9.0 Housing loan 13,051 6.4 11,252 5.8 16.0 Commercial Lending 47,868 23.5

Change Baht million % Baht million % (%) Retail Lending 129,085 63.3 125,954 65.3 2.5 Hire Purchase 104,609 51.3 103,926 53.9 0.7 Personal loan 5,941 2.9 5,745 3.0 3.4 Micro SMEs loan 5,485 2.7 5,031 2.6

million % Baht million % (%) Retail Lending 140,402 61.4 125,954 65.3 11.5 Hire Purchase 108,191 47.3 103,926 53.9 4.1 Personal loan 6,528 2.9 5,745 3.0 13.6 Micro SMEs loan 7,040 3.1 5,031 2.6 39.9 Housing

as follows; Type of loans Dec 31, 2019 Dec 31, 2018 Change Baht million % Baht million % (%) Retail Lending 145,223 61.0 140,402 61.4 3.4 Hire Purchase 107,612 45.2 108,191 47.3 (0.5) Personal loan

Change Baht million % Baht million % (%) Retail Lending 140,295 60.2 140,402 61.4 (0.1) Hire Purchase 106,420 45.7 108,191 47.3 (1.6) Personal loan 6,768 2.9 6,528 2.9 3.7 Micro SMEs loan 7,271 3.1 7,040

Change Baht million % Baht million % (%) Retail Lending 140,477 60.2 140,402 61.4 0.1 Hire Purchase 105,279 45.1 108,191 47.3 (2.7) Personal loan 7,055 3.0 6,528 2.9 8.1 Micro SMEs loan 7,627 3.3 7,040 3.1

, 2019 Dec 31, 2018 Change Baht million % Baht million % (%) Retail Lending 140,477 60.2 140,402 61.4 0.1 Hire Purchase 105,279 45.1 108,191 47.3 (2.7) Personal loan 7,055 3.0 6,528 2.9 8.1 Micro SMEs loan

Jun 30, 2018 Dec 31, 2017 Change Baht million % Baht million % (%) Retail Lending 134,150 63.1 125,954 65.3 6.5 Hire Purchase 106,862 50.2 103,926 53.9 2.8 Personal loan 6,191 2.9 5,745 3.0 7.8 Micro