for 3Q18 declined from 7.7% to 7.3% yoy from the expansions of loan portfolio in the low yield segment – housing loans, corporate lending and real estate 6 development loans. Meanwhile, cost of fund for

Bank’s loan portfolio for 1Q21 expanded by 2.1% from the end of 2020 with growth driven by hire purchase, housing and real estate lending segment. For asset quality, the Non-Performing Loans (NPLs) to

: EASTERN POLYMER GROUP PUBLIC COMPANY LIMITED ERW: THE ERAWAN GROUP PUBLIC COMPANY LIMITED ESTAR: EASTERN STAR REAL ESTATE PUBLIC COMPANY LIMITED ETC: EARTH TECH ENVIRONMENT PUBLIC COMPANY LIMITED ETE

E_1 Legal_FA_2015_12_29-c A CorpL4.1hig A Executive Summary of Management Discussion and Analysis 1 For the Year Ending December 31, 2019 Thai economy in 2019 showed decelerating growth at 2.4 percent compared to 4.2 percent in the previous year.The slowdown could be attributed to exports which contracted further due to the stronger Baht and a global economic slowdown. In addition, the investment environment of both the public and private sector remained weak, and private consumption, albeit gro...

points at the end of 2018. Overall Business Operations The Bank’s loan portfolio during 1Q19 grew 1.9% with growth driven by corporate banking loans, real estate development loans and housing loans while

received from financing activities VGI PUBLIC COMPANY LIMITED FINANCIAL RATIOS Profitability Ratios 1Q 2019/20 (Restated) 1Q 2020/21 Liquidity Ratios 31 MAR 2020 30 JUN 2020 Efficiency Ratios Leverage Ratios

MAR 2020 Efficiency Ratios Leverage Ratios MANAGEMENT OUTLOOK

financing activities VGI PUBLIC COMPANY LIMITED FINANCIAL RATIOS Profitability Ratios 2Q 2019/20 (Restated) 2Q 2020/21 Liquidity Ratios 31 MAR 2020 30 SEP 2020 Efficiency Ratios Leverage Ratios   MANAGEMENT

อัตราส่วนดังต่อไปนี้ 1) อัตราส่วนความสามารถในการทำกำไร (Profitability Ratio) 2) อัตราส่วนในการวัดภาระหนี้สิน (Leverage Ratio) 3) อัตราส่วนสภาพคล่อง (Liquidity Ratio) 7. สำเนาเอกสารอื่น ๆ ที่เป็นประโยชน์ในการ

active cooperation with both public and private sectors to block investment fraud channels. The SEC aims to leverage technology to protect businesses and investors from IP-related threats, extending