subsidiaries Percentage 1Q18 2Q18 3Q18 4Q18 2018 1Q19 Loan growth 5.7 4.3 3.5 3.8 18.5 1.9 NPLs/ Total Loans (excluding interbank) 4.7 4.5 4.2 4.1 4.1 4.1 Total loan loss reserve/ Total NPLs (coverage ratio

NPLs/ Total Loans (excluding interbank) 5.8 5.8 5.0 4.7 4.5 4.5 Total loan loss reserve/ Total NPLs (coverage ratio) 104.6 104.6 109.8 110.9 113.8 113.8 Total loan loss reserve/ Total mandatory reserve

4.5 4.5 Total loan loss reserve/ Total NPLs (coverage ratio) 104.6 104.6 109.8 110.9 113.8 113.8 Total loan loss reserve/ Total mandatory reserve 185.1 185.1 188.6 186.1 183.0 183.0 4 Profit and Loss

Appropriated Legal reserve 33.85 0.68 51.95 0.88 59.80 0.85 66.57 0.83 Unappropriated 473.77 9.47 641.97 10.79 783.07 11.09 838.39 10.49 Total equity attributable to owners of parent 2,790.04 55.80 2,976.34

4.67 Average collection period days 75 77 77 Inventory turnover times 4.78 4.90 5.13 Average inventory turnover period days 75 74 70 Account payable turnover times 5.42 5.21 5.00 Average payment period

revenue from sale Baht 1,548.15 million, increased from last year Baht 5.73 million or 0.4%.  Gross profit increased from 43.6% to 44.4% of revenue from sale, as a result from improvement of inventory cost

times 4.81 4.82 4.70 Average collection period days 75 75 77 Inventory turnover times 4.42 4.78 4.90 Average inventory turnover odperi days 81 75 74 Account payable turnover times 5.66 5.69 5.49 Average

million, mostly from profit sharing from investment in BBF decreased. Since crude palm oil price has declined, B100 price consequently declined and BBF had to realize an Inventory Loss.  Decrease of

dividend payment in February. Inventory decreased by Baht 9.66 million. Other assets decreased by Baht 14.76 million from deposit payment for fixed assets that were received and transferred to fixed assets

Discussion & Analysis 14 May 2019 Q1’19 Management Discussion & Analysis Page 5/6 Financial Ratio Analysis Q1'19 Q1'18 Liquidity Ratios Current ratio (times) 2.4 0.6 Number of days of inventory 32 39