) (800) (400) - 400 800 Beginning Operating activities Interest and Tax Investing activities Financing activities Dividend payment Different in FX rate Ending ( T HB m n )

, CONSOLIDATED Change (BAHT'000) 2018 2017 Amount % Interest income 3,789,635 3,590,912 198,723 5.5 Interest expenses 1,143,392 1,044,855 98,537 9.4 Interest income, net 2,646,243 2,546,057 100,186 3.9 Fees and

, CONSOLIDATED Change (BAHT'000) 2019 2018 Amount % Interest income 4,440,556 3,789,635 650,921 17.2 Interest expenses 1,385,827 1,143,392 242,435 21.2 Interest income, net 3,054,729 2,646,243 408,486 15.4 Fees

Offering for Sale of Certificates Representing Interest from Underlying Securities by the Subsidiary of the Stock Exchange of Thailand

quarter. In 2019, the BOT’s Monetary Policy Committee (MPC) has cut the policy interest rate twice, at its meetings on August 7 and November 6, lowering the rate each time by 25 basis points to its current

the second quarter of 2017 compared with the first quarter of 2017, non-interest income rose by Baht 533 million or 4.9 percent due to an increase in gains on disposal of assets and dividend income

the issuance of debenture and the withdrawal of loan in the net amount of Baht 4,523 Million for company liquidity during COVID-19 situation, dividend and interest payment in the amount of Baht 2,338

General Meeting of Shareholders, Dividend Payment and Connected Transaction Attn: President, the Stock Exchange of Thailand The Board of Directors Meeting of Vinythai Public Company Limited No. 1/2018, held

Excessive Charge, Service Fees for Wastewater Management 3 Gross Profit from Operation excludes Other Revenue from Utilities Business. 4 Other Incomes mainly consists of Interest Income from Loans to GHECO

% with net interest income increased by 9.4% driven by lower interest expense from continuous cost management while non-interest income decreased by 26.9% from the slowdown in economic activities