) Finance costs 14.89 (1.56) 14.89 (1.56) Bad debt and doubtful accounts (reversal) (0.05) 0.05 (0.05) 0.05 Other expenses 204.88 (7.13) 226.22 (8.85) Total expenses 683.68 (85.46) 685.85 (92.01) Profit

Company has no long-term debt to existing financial institution. 2. After transfer of the ownership of the land, the Company will reserve approximately Baht 200 - 250 million for contingent liability under

Finance costs 16.44 0.88 16.44 0.88 Bad debt and doubtful accounts (reversal) (0.10) 0.05 (0.10) 0.05 Loss from impairment on investment 0.00 (1.43) 0.00 (93.50) Other expenses 212.01 34.15 235.07 35.12

income 360.05 304.42 Operating expenses (335.86) (316.40) Corporate income tax (4.05) 27.53 Operating income 20.14 15.55 Allowance for bad debt and doubtful account - (123.46) Net income (loss) 20.14

664.86 18.45 641.55 17.77 Fees and service expenses 131.59 21.50 131.54 21.50 Finance costs 24.49 1.31 24.49 1.31 Bad debt and doubtful accounts (reversal) (0.10) (5.83) (0.10) (5.83) Loss from impairment

22.60 158.87 22.60 Finance costs 22.16 (2.32) 22.16 (2.32) Bad debt and doubtful accounts (reversal) (0.05) 0.05 (0.05) 0.05 Other expenses 308.85 (4.31) 341.00 (2.26) Total expenses 1,060.78 (77.94

15.65 percent, resulting from the effective debt management of the Company and its subsidiaries. Shareholder’s Equity As of June 30, 2020, shareholder’s equity of the Company and its subsidiaries totaled

declined by THB 323.67 million or 32.26%. This is because the slowdown of real estate business sector resulted from Loan to Value regulation or “LTV” since 2019. Moreover, the household debt has been

-year average of 68.0 percent. Consequently, employment contracted by 0.7 percent. Private consumption slightly softened due to stagnant farm and non-farm income growth. Moreover, household debt, which

)% 53,878 52,953 1.7% Non-interest income 12,295 13,534 11,321 (9.2)% 8.6% 36,145 39,385 (8.2)% Operating expenses 12,679 14,108 12,878 (10.1)% (1.5)% 38,975 38,832 0.4% Impairment loss of loans and debt