, or equivalent to THB 4,275,683,281.33, by way of the Allocation and Offering of the Newly Issued Ordinary Shares of the Company under the Debt to Equity Conversion Scheme. Remark - The exchange rate

Fixed 1.250 1.250 1.250 1.250 1.250 1.250 12-month Fixed 1.375-1.500 1.500 1.500 1.500 1.500 1.500 Bank of Thailand Policy Rate (%) 1.250 1.500 1.750 1.750 1.750 1.500 Non-Interest Income Non-interest

2.1 Credit Risk Management 5 2.2 Market Risk Management 5 2.3 Liquidity Risk Management 6 3. Business Directions and Operations of Core Businesses 7 3.1 Sustainable Development and Corporate Governance

( COVID-19) situation has improved domestically, following a significant reduction in the number of local infections. However, the continued high rate of overseas infections, combined with Government fears

consolidated Saraburi Quicklime subsidiary (total 9 kilns) the core business is expected to operate on a capacity and market base 50% above Q2 2017. The increased capacity and market base in the core business

that can cope with a volatile market, namely K Thai Fixed Income 25 Months B Fund (KTF25MB) focusing on debentures, and K Guaranteed 5 Years B Fund (KGT5YB), which guarantees investment for investors

9.33 85.51 9.05 9.12 10.67 Total Revenue from Sales and Services 1,011.54 99.70 940.57 99.57 70.97 7.55 Gain on Sales of Fixed Assets 0.05 - - - 0.05 - Gain on Foreign Exchange Rate – Net 0.85 0.08 1.41

domestic tourists and earnings of Thai labor have declined while unemployment rate has been increasing. In addition, whilst private consumption shows some growth but limits in some areas; therefore

energy prices at home in line with the global oil market. For Thai monetary policy, the Bank of Thailand’s policy rate is expected to stay low, at 1.75 percent, throughout the first half of 2019. Thailand

by concentrating on its own farm policy and cost efficiencies through economies of scale. GFPT Group has policy to mitigate risks from foreign exchange rate volatility, which occurred from export sale