. We do not undertake to update our forward-looking statements to reflect future events or circumstances. The information in these materials is provided as at the date of this document and is subject to

1.1% during 1Q20. SMEs loan comprises of several business sectors including Apartment & Hotel, Logistics, Commercial & Industrial and Construction Machinery & Materials. 13 Corporate Lending provides

period result from the movement in prices of raw materials and products from the end of the previous reported period to the end of the current reported period. The cost of sales is impacted by inventory

& Materials. 12 Corporate Lending provides lending services to listed companies clients and large corporate clients or financing for Investment Banking transaction of Capital Market Business. Current

reported EBITDA. Inventory gains/losses in a period result from the movement in prices of raw materials and products from the end of the previous reported period to the end of the current reported period

store by using optimal current cash flow. Also, the Company will add more variety of materials to capture the ultra-luxury customer segment and grow customization ability for customers. Minor store

MATERIALS 8,343,384.00 6.83 6.69 3$4%#,+5 6$ ก () (DCC) - 538,600 2,391,384.00 1.96 1.92 3$4896$ ,0%& ก () (SCC) - 12,000 5,952,000.00 4.87 4.77 PETROCHEMICALS & CHEMICALS 4,756,500.00 3.89 3.81 3$4 +++ :ก;3

11,085,000.00 5.05 4.97 %+% ก () (TMB) - 2,539,600 7,669,592.00 3.49 3.44 CONSTRUCTION MATERIALS 14,326,400.00 6.52 6.43 8*9%:;

cost due to increase in price of metals and construction materials. The construction of Carnival Magic Project has progressed by more than 80% of the total construction. At present, the project is in the

for the group companies to grow and may require higher investment cost due to increase in price of metals and construction materials. The construction of Carnival Magic Project has progressed by more