outflow for the various projects underway which are not yet completed and have not yet started contributing to the earnings. Notes We recommend that investors always read the MD&A together with the

Operating Debt is Net Debt (total debt less cash and current investments) less cash outflow for the various projects underway which are not yet completed and have not yet started contributing to the earnings

status on Coronavirus 2019 (COVID-19) With regards to the covid-19 situation, the Bank has been assisting customers through various relief measures both from the Bank own measures and those arising from

pond rental Including the construction and installation of various machinery If the contract party is a connected person According to the Notification of the Capital Market Supervisory Board No. ThorJor

expected credit losses by considering economic conditions in the past, present and future under various assumptions and circumstances. Meanwhile, the impact of the Covid-19 outbreak on the Thai and global

holder as a beneficiary of REIT. “financial advisor” means a financial advisor which is on the approved list of the SEC Office. “rent” means a consideration which is received from renting, using area or

distribution channels to increase fee income and assets under advice. The area of Investment Banking will combine the expertise of several functions within the Group to allow the Group to offer more

expertise in the wealth management business and through the commercial banking business distribution channels to increase fee income and assets under advice. The area of Investment Banking will combine the

SEGMENT BLENDED OFFICE PERFORMANCE METRICS NET FLOOR AREA (NFA) & OCCUPANCY RATE 99% BLENDED OCCUPANCY UNDERWOOD STREET RENOVATION COMPLETED Renovation of Underwood Street office building was completed in

wealth management business and through the commercial banking business distribution channels to increase fee income and assets under advice. The area of Investment Banking will combine the expertise of