year. As the loan quality was relatively stable, the ratio of gross non-performing loans (NPL) to total loans was 2.9 percent, nearly the same level at the end of 2017. The Bank of Thailand’s Senior Loan

to provide full services, and implementing a voluntary leave without pay scheme, initially for management but also later opened up to all employees. Maintaining a strong liquidity position has been a

) of 2020, administrative expenses was THB 109 million which decreased by THB 14 million or 11% from 9M/2019. The increase is mainly from the leave without pay policy which was effective since Q2/2020

implementation of leave without pay policy which was effective since Q2/2020. • Admin expenses to total revenue in 2020 was 19.1%, improved by 5.6% from 2019 due to the higher proportion of the decrease in revenue

). Please be informed accordingly, Sincerely yours Apinya Jarutrakulchai (Ms. Apinya Jarutrakulchai) Senior Executive Vice President Finance and Accounting Department Tel : 0-2677-7000 Fax : 0-2677-7011-2

year. This was due to the higher earnings before tax. Please be informed accordingly. Sincerely yours, (Ms. Wannee Juntamongkol) Senior Vice President – Accounting and Finance

Please be informed accordingly. Sincerely yours, Matching Maximize Solution Public Company Limited Mr.Wiroj Bunsirirungruang Senior Executive Vice President and Company Secretary

sincerely, Mr. Wit Tantiworawong Senior Executive Vice President

for the period. Sincerely yours, (Ms. Tientip Narach) Senior Vice President – Finance and Accounting CC: Secretary General, Office of the Securities and Exchange Commission

connected persons Note: 1 Mr. Hideki Wakabayashi is the Chairman of the Board of Directors of AEONTS and the Director of AFS 2 Mr. Junichi Iwakami is the Senior Executive Vice President of AEONTS and the Non