agreements; (3) Trademark/Service Mark under the name “Kitchen Plus”. Acquisition Price : Eighty Million Baht (THB 80,000,000) Key Conditions Precedent : The Assets Sale and Purchase Agreement requires the

capital, in combination with regular increases in reserves, the commercial banking system will continue to provide a cushion for NPL. Overall Picture of the Bank and its Subsidiaries Million Baht Item

thoroughly economic growth can spread to all sectors. However, given commercial banks’ relatively high capital base in combination with consistent increases in provisioning reserves, the commercial banking

% 86.7% 89.5% (1.0)% (3.8)% Non-performing loan (NPL) 82,148 83,668 80,137 (1.8)% 2. 5% Ratio of NPL to total loans 3.5% 3.5% 3.4% - 0.1% Ratio of loan loss reserves to NPL 185.8% 189.0% 190.9% (3.2)% (5.1

(NPL) 86,221 82,148 80,137 5.0% 7.6% Ratio of NPL to total loans 3.6% 3.5% 3.4% 0.1% 0.2% Ratio of loan loss reserves to NPL 183.4% 185.8% 190.9% (2.4)% (7.5)% Total capital adequacy ratio 20.71% 18.28

25, 2017 to operate medical service concerning healthcare and esthetics under trademark “Wuttisak Clinic”, which start operate the franchise business on February 10, 2018. 3. Analysis of Operating

parcel (Pneumatic Tube Carrier Systems) for 6 projects. Hi Healthcare Center Co., Ltd. was operated medical service concerning healthcare and esthetics under trademark “Wuttisak Clinic”, which start

projects. And, Hi Healthcare Center Co., Ltd. was established on September 25, 2017 to operate medical service concerning healthcare and esthetics under trademark “Wuttisak Clinic”, which start operate the

healthcare and esthetics under trademark “Wuttisak Clinic”, which start operate the franchise business on February 10, 2018. 3. Analysis of Operating Results Management's Discussion and Analysis and operating

under trademark “Wuttisak Clinic” the Company has change the business strategy for appropriate with the business environment by closed 7 departments which have accumulate loss in July 2019 and decreased