representative or 360-degree technology. Until now, offering a deep discount to potential customers was not expected because of the Company’s financial strength with Net Interest-Bearing-Debt to Equity at 0.97

2.86 million Baht or increased 1.46% due to the year 2019, the company had higher financial costs from interest burden from the issuance of bonds and financial institutions from the same period of the

from Utilities Business. 4 Other Incomes mainly consists of Interest Income from Loans to GHECO-One and Dividends Received from Investments in Glow IPP. 5 Revenue Levelization adjustments under TFRS 15

v) Baht 31.4 million increase of Finance Costs from Baht 84.1 million to Baht 113.5 million mainly due to financing for SDWTP and Interest Expense from the new adoption of TFRS 16; despite lower

services 339 0.7% 403 0.8% (65) -16.0% Interest income 67 0.1% 43 0.1% 24 57.0% Other income 3,550 7.5% 3,496 6.5% 54 1.6% Total revenue 47,573 100.0% 53,522 100.0% (5,949) -11.1% Cost of sales of goods

companies. Financial Costs Financial costs of the group include the interest paid to financial institutions and related persons. The Company’s financial costs in 3Q2019 were THB 19.99 million, slightly

% 66.7% 26.9 176.9 557.6% Change Other income comprised of income from insurance claims, interest income, rental income and others. In the first quarter of 2020, an indirect subsidiary received insurance

consolidated revenues were 15,597 million baht, decreasing of 700 million baht or 4% y-y. The decreased income was a result of the Bank of Thailand cut the ceiling rates of interest rates on credit card from 18

financial institution under the law on interest on loan of financial institution 1 . Chapter 3 Particulars and Statement in the Trust Instrument Relating to Issuance of Sukuk _______________ Clause 7 A Trust

Mn THB Mn %QoQ %YoY THB Mn THB Mn %YoY Finance costs 29.1 43.6 49.6 13.8% 70.4% 63.6 93.1 46.4% Finance costs comprise of interest expense from loans for the new investment projects, amortisation of