Change in fair value of available-for- sale investmetns ▪ Recognised in OCI (Other Comprehensive Income) THB 1.8 million ▪ Recognised in P/L THB 1.8 million Change in fair value of interest rate swaps

million or 16.5 percent from Baht 975.56 million in the 3 rd quarter of 2017. The change was due to the decreased lease receivable, calculated according to the Effective Interest Method. =., Other income

debt to equity ratio of the Company was considerably low at 0.28: 1. Financial Highlights 3Q 2017 3Q 2016 Change 9M 2017 9M 2016 Change THB million % Sales THB million % Sales THB million % THB million

several financial institutions. A summary of the key operational matters and events for the 2nd Quarter 2020 Financial Highlights 2Q 2020 2Q 2019 Change 6M 2020 6M 2019 Change THB million % Sales THB

value will be realized in profit and loss statement in such period. In 1Q2020, the significant change in fair value of derivatives the Company has was from the conversion option embedded in convertible

following quarter. Clause 5 To ensure that the model or method used in the stress test are appropriate to the current and possibly changing market condition, the securities clearing house shall access the

Office on a quarterly basis within the fifteenth day of the first month of the following quarter. Clause 5 To ensure that the model or method used in the stress test are appropriate to the current and

. The increase was mainly driven by the change in recognition of interest income from loans using the effective interest rate method, combined with an increase in loan volume net of the effect of lower

training to develop the skills of their employees. (2) Consumers will change the value and nature of their consumption patterns. Normally, people consume less as they get older but products and services that

2018. A summary of the Company’s operating performance in 2019 and 2018 is shown in the following table: FY2019 FY2018 % Change FY2017 % Change [Amount in Baht Million] Y-o-Y Y-o-Y [2019 VS. 2018] [2018