% Net interest margin 2.33% 2.34% 2.31% (0.01)% 0.02% 2.34% 2.33% 0.01% Net fees and service income to operating income ratio 21.3% 24.1% 22.7% (2.8)% (1.4)% 22.7% 23.7% (1.0)% Expense to operating income

income ratio 21.2% 21.3% 23.2% (0.1)% (2.0)% 22.2% 23.5% (1.3)% Expense to operating income ratio 43.5% 42.8% 41.9% 0.7% 1.6% 42.1% 42.8% (0.7)% Return on average assets * 1.14% 1.16% 1.06% (0.02)% 0.08

Overall fees and expenses % of NAV REIT Manager fee Trustee fee Registrar fee Financial advisor fee Underwriting fee Property manager fee Operating and maintenance expense Management expenses Insurance

3.2 percent from the previous forecast of 3.3 percent due mainly to an anticipated slowdown in developing countries and emerging economies, in particular, China, India and ASEAN. The Federal Reserve and

Economic Outlook of the International Monetary Fund for October 2019 cut this year’s global economic growth projection to 3.0 percent from the previous forecast of 3.2 percent. The figure is the lowest

competitors, competitiveness and potential, the names of the competitors (not required unless there is only one or a few competitors being market leaders), market trends and competitive forecast. 2.2.3

invested in an overseas joint venture. Capitalization period for capitalized interest on investment in buildings, plants, and machinery ceases when the asset is ready for use (interest expense incurred

าใชจาย)ที่มิไดเกิดข้ึนเปนประจํา (one-time income/expense) ฯลฯ ธุรกิจอสังหาริมทรัพยเพ่ือการพักอาศัย ในระหวางท่ีโครงการคอนโดมิเนียมของบริษัทฯ ไดแก ดิ เอส อโศก (ยอดขาย 77% กําหนดแลวเสร็จในเดือน

expenses 543 500 (9%) Bad and doubtful debts expense 0 10 (100%) Loss on confirmed purchase orders for undelivered raw material 0 41 100% Finance costs 348 475 27% Total expenses 14,621 31,016 53% Profit

(income tax expense) 4.9 6.3 (1.1) (7.2) 6.1 > 100 2.9 (15.5) 18.4 > 100 Profit for the year 132.6 209.2 228.1 245.4 17.3 7.6 815.3 546.6 268.7 49.2 Other comprehensive income: - - - 1.1 1.1 100.0 1.1 5.4