(3) decreased financial expenses. Zen Corporation Group Public Company Limited 782/1 Soi Onnuch 17, Suanluang, Bangkok 10250 THAILAND. Tel: 02-0195000 Analysis of Financial Position Assets As of 31

and Analysis of Financial Status 2.1 Assets As at June 30, 2017 the Group had total assets in the amount of Bt11,999.6 million, decreased by Bt158.3 million or 1.3% from December 31, 2016. The important

non-performing assets (NPAs) totaling Baht 413 million and had gain of Baht 195 million. In the Financial Market business, the Bank generated revenue of Baht 64 million. The market shares (SET and mai

loans ratio at the end of 2Q18 further declined to 4.5% from 5.0% at the end of 2017. On Special Asset Management business, the Bank sold non-performing assets (NPAs) totaling Baht 413 million and had

(Amendment) and the Bang Pa-in - Pak Kret Expressway Agreement (Amendment), which significantly amended as follows: Expressway Toll revenue sharing EXAT : the Company / the subsidiary Renewal period Remaining

newl 0 per share t offering) with t 0.53 per sha 18 to 24 Dece are remaining onate to their g shareholde e newly issue ued ordinary issued ordina decreasing here is any s ng shareholdi (including the

many areas that resulted in the destruction of crops and household assets. Towards the end of this year, domestic political situation will also warrant monitoring as the National Council for Peace and

appropriate manner. Banks need to maintain a sufficient level of liquid assets to cope with potential cash outflows in the event of a crisis in accordance with the requirements of Basel III. Banks also have

ratio 42.8% 39.9% 45.8% 2.9% (3.0)% 41.4% 43.3% (1.9)% Return on average assets * 1.16% 1.17% 1.07% (0.01)% 0.09% 1.17% 1.10% 0.07% Return on average equity * 9.16% 9.05% 8.38% 0.11% 0.78% 9.12% 8.61

income ratio 21.2% 21.3% 23.2% (0.1)% (2.0)% 22.2% 23.5% (1.3)% Expense to operating income ratio 43.5% 42.8% 41.9% 0.7% 1.6% 42.1% 42.8% (0.7)% Return on average assets * 1.14% 1.16% 1.06% (0.02)% 0.08