the Company, resulting in the enhancement in the Company’s ability to achieve its goal and the increase in the Company’s competent capability in the long term. 5. Warranty of Directors The Board of

shareholders as the Company, i.e. KG and the SSG 4 Please see footnote 2. Enclosure 3 5 Group (Please see the shareholding structure of the SSG Group below). Shareholding Structure of the SSG Group Remark 1

Interchange 2 Project value Approximately 2,300 Million Baht 3 Location Phaholyothin Road 4 Progress Under development of condominium for sale Shareholding structure before the entering into of the transaction

name Khightsbridge Phaholyothin Interchange 2 Project value Approximately 2,300 Million Baht 3 Location Phaholyothin Road 4 Progress Under development of condominium for sale Shareholding structure

of Baht 15 million. For services, the Bank introduced “KK Magic Mirror”, an interactive financial advisory service through LED format with live video call capability to provide customers with an

loan amount of Baht 15 million. For services, the Bank introduced “KK Magic Mirror”, an interactive financial advisory service through LED format with live video call capability to provide customers with

Cycle (Days) 46 50 Total Debt to Equity Ratio (Times) 0.55 0.71 Interest Coverage Ratio (Times) 88.49 43.82 Debt Service Coverage Ratio (Times) 4.60 2.59 - 9 - (3) Asset Management Capability (3.1) Debtor

22.90 Debt Service Coverage Ratio (Times) 2.45 1.74 - 9 - (3) Asset Management Capability (3.1) Debtor Quality, Accounts Receivable Aging, Provision and Sufficiency of Allowance for Doubtful Debts The

Cycle (Days) 36 43 Total Debt to Equity Ratio (Times) 0.45 0.51 Interest Coverage Ratio (Times) 136.93 72.99 Debt Service Coverage Ratio (Times) 80.13 56.23 - 9 - (3) Asset Management Capability (3.1

Service Coverage Ratio (Times) 79.87 56.23 (3) Asset Management Capability (3.1) Debtor Quality, Accounts Receivable Aging, Provision and Sufficiency of Allowance for Doubtful Debts The Corporate Group’s