baht, which will be an important source of income for the company in the future. Economic and industry overview and Forward Looking In the past Q2/2020 , it was acknowledged that the government of

contribution of the Engineering division experienced a peak 16mTHB EBITDA contribution. Looking forward in Q2 2018 with the contribution of the 7 kilns operating in Golden Lime and 2 more in the fully

who signed a 10-year rental contract. Nevertheless, we are looking forward to the Unicorn (a mixed-used building that has 22,499 sqm office space) opening in 2022, our additional revenue source for

quarter of 2020 with probable forward looking risk factors due to COVID-19 situation. For the 3rd quarter of 2020, the Company had consolidated operating income of 1,333 million baht, an increase of 49

Operating Results 3.2. Cash Collection from NPLs and NPAs Management Businesses 3.3. NPLs by Portfolio Concentration 3.4. NPAs Concentration by Region by Type 4. Key Financial Ratios 5. Forward Looking

Concentration by Region by Type 4. Key Financial Ratios 5. Forward Looking Statements 5.1. BAM’s Business Opportunity 5.2. COVID-19 Impact IMPORTANT DISCLAIMER The information contained in this document has been

investing activities of Baht 19 million. 6. Forward Looking The Company expects that this year it will be able to achieve sales growth of c.5%, which is lower than its original projection of 10-15%. We

correctness of the information contained herein. Further, nothing in this document should be construed as constituting legal, business, tax or financial advice. This material contains “forward-looking

, however, it would be restrained by non-farm household income given signs of moderation in earnings, and lower consumer confidence among low-income households due to elevated household debt. Bank of Thailand

represented 10.6% YOY while non-durable goods, in which high proportion of low to medium-income household expenditure, growth only 0.0% YOY since partly owing to household debt that was still elevated at 78% to