. Rental and Service Income  Rental and service income from warehouses, distribution centers and factories for 3 months and 9 months ended the third quarter of 2018 stood at THB 270.7 mm and THB 752.0 mm

7,883 13.5% SG&A 1,446 1,337 8.3% 5,688 4,947 15.0% Selling and distribution expenses 1,002 903 11.0% 3,902 3,498 11.6% Administrative expenses 444 434 2.5% 1,786 1,449 23.3% EBIT 1,004 1,073 -6.5% 3,999

22.6% 2,781 2,452 13.5% Selling and distribution expenses 989 846 16.9% 1,873 1,769 5.9% Administrative expenses 470 344 36.6% 908 682 33.1% EBIT 889 815 9.0% 1,987 1,788 11.1% EBITDA 1,121 1,077 4.1

. The domestic economy recovered at a modest pace. Public spending and private consumption remained to be the main growth drivers. Private investment remained at a similar level compared to the same

- - 0.22 0.25 0.22 100.00 Profit before expenses, finance cost and taxes 23.55 22.65 20.21 23.07 (3.34) (14.18) Distribution costs 1.58 1.52 2.04 2.33 0.46 29.11 Administrative expenses 9.79 9.41 10.47 11.95

and lower than average level by about 5% in August. The average water in the reservoirs in Chonburi and Rayong were 55% and 68% of total capacity respectively. Water Volume (Million Cu.M) Chonburi

. In addition, Gross Refinery Margin was still at the low level. This has affected the performance of the petroleum related business. However, demand for consumption of finished products see signs of

depressions in farm income and high level of household debt while inflation remains at a low level. Other key risks that need to be monitored are the slowdown in global economy especially the Chinese economy

level of household debt while inflation remains at a low level. Other key risks that need to be monitored are the slowdown in global economy especially the Chinese economy, lower than expected growth in

considering the level of provisions taking into account the prolonged uncertainties from the COVID-19 and recorded total expected credit loss amount for 1Q21 at Baht 1,234 million. The Bank placed importance on