million. Such change resulted from financial asset modification on terms of expected credit losses for “loans purchased of receivables” Baht 1,362 million (which is comprised of expected credit losses of

Multiplier (times) 1.46 1.43 1.40 GFPT Public Company Limited Management Discussion and Analysis for the Year 2019 Page 6 of 14 Financial position Asset For the consolidated financial position as of December

/2020 Current ratio 0.57 0.61 0.62 Debt to Equity ratio 1.95 1.91 2.15 Interest Bearing Debt ratio 0.87 0.85 0.93 Return on Asset 15.6% 0.15 14.8% Return on Equity 47.6% 42.0% 42.3% Financial Ratio 5

. Financial position (Post TFRS 9&16) As of 31 December 2020, total asset was Bt350,171mn, increasing 21%YoY driven by the adoption of TFRS16 which recognized right of use assets of Bt58,723mn and license for

until the lease term expires is totaling approximately 0.69 Million Baht or 1.15% of the Net Tangible Asset of the Company (the Company’s Net Tangible Asset on the financial statement as of 30 September

) Public Company Limited (“the Company”) would like to clarify on operating results and the financial position had varied over 20 percent for the year 2018 ending on December 31, 2018 of the Company and its

Exchange of Thailand Ubis (Asia) Public Company Limited (“the Company”) would like to clarify on operating results and the financial position had varied over 20 percent for Q3/2018 ending on September 30

collaborating with Financial Technology (FinTech) firms on new financial products to meet the challenges of changing consumer behavior such as the increasing popularity of mobile banking and asset management for

effect and the one-time item (after tax), Normalized net profit increased 0.9%YoY but decreased -0.7% QoQ. Financial position For the period ending Sep-21, total asset was Bt356,521mn increasing 1.8

. Notification of the Securities and Exchange Commission No. KorNor. 1/2554 Re: Rules, Conditions and Procedure for Borrowing Money and Encumbering the Asset of Infrastructure Mutual Fund