from lower revenue from sales Earnings Before Interest, Tax, Depreciation and Amortization (EBITDA) Unit: Million Baht 2Q 2020 2Q 2019 Change % Change 6M 2020 6M 2019 Change % Change EBIT 289.17 436.36

Bank) 1,463 1,108 32.0 1,484 (1.4) Total Comprehensive income (attributable to equity holders of the Bank) 1,531 1,530 0.1 799 91.7 Basic earnings per share (Baht) 1.73 1.31 32.1 1.75 (1.1) Summary of

provisions for loan commitments and financial guarantee based on TFRS 9. Basic earnings per share at Baht 1.75 per share. Annualized Ratios 1Q19 2Q19 3Q19 4Q19 2019 1Q20 Net Profit (Baht million) 1,228 1,471

parent 63.6% 60.0% 63.0% 58.9% 61.2% Remark: * EBITDA = Earnings before interest, taxes, depreciation and amortization - non-operating income / (expense) ** Normalized net profit = Net profit – unrealized

Placement) in Q1 2018, and the process was completed in February 2018 . The proceeds from the capital increase was used for repaying the short-term loans to financial institutions and the debentures due in

cash and cash equivalents remaining from the proceeds of initial public offering after deducting the repayment of loans from commercial banks., (2) an increase of property plants and equipment which was

ordinary shares on the Stock Exchange Of Thailand (the “SET”) (the “Spin-Off Plan”). The proceeds of which will be used for the purpose of financial and business restructuring, business expansion and working

in financing activities was THB 1,030mn mainly from proceeds from the increase in share capital of THB 2,040mn. However, this offset by a decrease in short-term as well as long-term loans from

company; provided that the shares and share warrants of spouse and a minor child of such person shall also be included in the calculation. In the case where the investment advisory company proceeds the

and the credibility of the companies. Since it is possible that those committing predicate offences under anti-money laundering legislations may use securities transactions to launder illegal proceeds