including SME Car3x loans expanded at 51.7%, personal loans increased by 18.7%, corporate banking loans expanded by 106.8%, Lombard loans expanded by 15.3% with real estate development loans also registering

Loans (NPLs) to total loans ratio at the end of 2018 declining to 4.1% from 5.0% at the end of 2017. On Special Asset Management business, the Bank sold non-performing assets (NPAs) totaling Baht 1,378

% Reversal of Impairment of Assets -3.6 -0.4% 0.2 0.0% 3.8 105.6% Profit from Dispose Investment in 0 0.0% 27.3 2.9% 27.3 n.a. Management Discussion and Analysis (MD&A) for 2019 Page 2/5 2018 2019 YoY Mio

main strategies are namely, invasion of the housing market, expansion of service income, financial liquidity management and adding value to existing assets. As for the performance in Q1/2021, the net

2 Comprising investment in subsidiary companies and associated companies, real estate for investment, land, building and equipment, goodwill, non-tangible assets, lease hold, deferred tax assets

Differentiate (Unit: Million THB) Million THB % Million THB % Million THB % Revenue Revenues from sales of real estate 8,764.9 87.8 14,523.1 87.3 5,758.2 65.7 Revenues from project management 487.5 4.9 1,225.9

construction compared with revenue from construction 92.62 % 92.87 % - (0.27) 1.3 Revenue from sales and services - Real Estate Development - Concrete products and others 71.13 MB 164.15 MB (93.02) MB (56.67

-interest income also increasing slightly by 0.2%. Meanwhile, operating expenses also increased due to higher loss from sale of foreclosed assets. During 2019, the overall Bank’s loan portfolio grew by 4.2

the statement of comprehensive income when the real estate project has been completed and transferred to the customers after completion of the payment. Despite the disposal of assets, the Company has

, a decrease of 3.90 million baht or 3.96%. 1.3 Revenue from the real estate rental to 0.65 million baht, an increase of 0.50 million baht, an increase of 348.61% due to the auction of fans and LED