The Securities and Exchange Commission (SEC), represented by Mrs. Sittasri Nakasiri, Assistant Secretary-General – Strategy and Planning, acting as Data Protection Officer (DPO), participated in

work divisions, and the appointments of deputy secretaries-general and assistant secretaries-general. The new organizational strategy aims to push forward capital market development in accordance with

/ Total loans (excluding interbank) 4.0 Total loan loss reserve/ Total NPLs (coverage ratio) 1 114.1 113.2 110.1 111.2 111.2 115.9 1 Excluding loans classified as Purchased or originated credit impaired

year, and from the provision of employee benefit for retirement, a non-recurring item classified under administrative expenses. Excluding the non-recurring items and the performance of residential

Baht 1,400 million are subordinated debentures classified as Tier 2 capital. Loan to deposits and borrowings ratio stood at 100.0%, comparing to 101.8% at the end of 2017. 11 LIABILITIES CONSOLIDATED

classified as Tier 2 capital. Loan to deposits and borrowings ratio stood at 100.0%, comparing to 101.8% at the end of 2017. 11 LIABILITIES CONSOLIDATED Change (BAHT'000) Jun 30, 2018 Dec 31, 2017 Amount

decrease in fixed assets of Baht 30.47 million, net decrease in inventory of Baht 30.18 million, decrease in non-current assets classified as held for sale ( unused land) of Baht 25.45 million , decrease in

includes translation adjustment and cash & cash equivalents of subsidiaries which classified as assets held for sale (THB mn) MANAGEMENT DISCUSSION & ANALYSIS 1Q 2020 15 MAY 2020 U CITY PCL 1Q 2020 - MD&A

by The Mandarin Hotel Public Company Limited (“Mandarin”). This transaction is classified as the connected transaction with the following details: The transaction date : After the approval from the

subsidiary ( Casa Ville Co., Ltd.) to sell land without building to Land and Houses Public Company Limited. This transaction is classified as the connected transaction with the following details: Transaction