receivables 705 781 -10% Inventories 909 1,047 -13% Other current assets 173 177 -2% Total current assets 1,909 2,106 -9% Property, plant and equipment 2,089 2,071 +1% Goodwill 213 - - Investments in joint

. Also, there were concerns about pockets of risks in the property market, further accumulation of household debt, and debt serviceability of SMEs, especially those affected by changes in structural

Personal loan 8,132 3.1 7,993 3.4 1.7 Micro SMEs loan 7,741 3.0 7,954 3.3 (2.7) Housing loan 24,234 9.4 21,663 9.1 11.9 Commercial Lending 59,766 23.1 60,899 25.6 (1.9) Real Estate Development loan 30,738

to customers classified by type of businesses September December Variance 2020 2019 Amount (%YTD) Agricultural and mining 37.4 12.9 24.5 189.9 Manufacturing and commerce 38,374.1 38,315.5 58.6 0.2 Real

. In addition the Company will be responsible for land transfer registration fee, land tax and any expenses to be paid to government agencies for ownership transferrable of property approximate Baht

objectives of investing in assets concerning infrastructure, property or property development business. In this regard, the establishment of such collective investment scheme shall be granted an approval for a

mental health, or property damage. 6 Rules and Regulations Key Points 12. Right-based Assets Act, B.E. 2562 (2019), published in the Government Gazette on April 30, 2019, effective October 27, 2019 onward

LAW which is a legal advisor in the Philippines to claim against NPSI for the refund of capital investment. Currently, the property investigation process has been completed and it is now on the process

. On June 5 – 6, 2020, together with LED, the Company was able to auction out 164 real estate collaterals from its portfolio worth Baht 525,419,000 or accountable for 141 . 19% from the appraisal value

basis net income rose 19%. 3.2. Assets, Liabilities & Shareholders’ Equity Similar to comments made in Q3 the main contributors to the increase in total assets are from an increase in property, plant and