subsidiaries Percentage 1Q18 2Q18 3Q18 4Q18 2018 1Q19 Loan growth 5.7 4.3 3.5 3.8 18.5 1.9 NPLs/ Total Loans (excluding interbank) 4.7 4.5 4.2 4.1 4.1 4.1 Total loan loss reserve/ Total NPLs (coverage ratio

NPLs/ Total Loans (excluding interbank) 5.8 5.8 5.0 4.7 4.5 4.5 Total loan loss reserve/ Total NPLs (coverage ratio) 104.6 104.6 109.8 110.9 113.8 113.8 Total loan loss reserve/ Total mandatory reserve

4.5 4.5 Total loan loss reserve/ Total NPLs (coverage ratio) 104.6 104.6 109.8 110.9 113.8 113.8 Total loan loss reserve/ Total mandatory reserve 185.1 185.1 188.6 186.1 183.0 183.0 4 Profit and Loss

. In 2019, there was an oversupply of palm fruits and CPO that have flooded into the market and Thailand’s CPO safety stock reached 500,000 tons, where the safety stock should be around 200,000 tons

government’s measures. The health and safety of our customers and associates remains our top priority. We rapidly transformed and adapted to the change in consumer behavior by utilizing the Company’s existing

(the “Subsidiary Company”) has sharply decreased since February 2020. Safari World Group always realized its duty to the society and put the priority on the health and safety of the park visitor

. The analysis should enable the determination of the level of risk of the instrument, expected return, portfolio construction, and the safety level of investment. Investment management shall also be

of the instrument, expected return, portfolio construction, and the safety level of investment. Investment management shall also be carried out in accordance with the policy, investment objective, and

’ confidence and derail several countries’ economic recoveries over the medium term. Regarding monetary policy direction of central banks worldwide, the US Federal Reserve may gradually raise its policy rate

2Q17 3Q17 4Q17 2017 Loan growth 0.6 (0.8) 1.3 2.8 0.2 4.8 9.3 NPLs/ Total Loans (excluding interbank) 5.6 5.6 5.6 5.8 5.6 5.0 5.0 Total loan loss reserve/ Total NPLs (coverage ratio) 110.1 110.1 110.0