credit losses from long outstanding receivables and losses from fair value adjustments of investments in Campana Group Pte. Ltd. Operating Results and Capabilities to Make Profit Performance from revenues

Exclusion of Credit Rating Agency Business from Securities Business in the Category of Securities Investment Advisory

from the covid-19 situation resulting in higher expected credit loss amount during 3Q20 when comparing to the same period last year. For loan portfolio, the Bank continues to focus on asset quality

Electronics (Thailand) Public Company Limited (the “Company”) No. 3/2018 was held on Aug 13, 2018 the following resolutions were passed: 1. The Board of Directors approved the declaration of interim dividend

growth is consistent with the economic slow down and credit tightening of financial institutions after signs of deterioration in loans. In the equity market, the average daily turnover (SET and mai) for

consistent with the economic slowdown and credit tightening of financial institutions after signs of deterioration in loans. In the equity market, the average daily turnover (SET and mai) for 3Q19 increased by

% 643.50 86.29% 92.78% Cost of services 2.33 0.17% 0.55 0.07% 323.64% Selling and distribution expenses 76.66 5.52% 64.12 8.60% 19.56% Administrative expenses 23.02 1.66% 21.77 2.92% 5.74% Total expenses

Management and Risk Factors 8 2.1 Overall Risk Management 8 2.2 Risk Management 11  Credit Risk Management 11  Market Risk Management 15  Liquidity Risk Management 17  Operational Risk Management 18

Overview In term of the retail industry in 2Q17, low growth rate has been continued from the previous quarter due to the higher household debts and credit card debts from middle-low consumers in which

20 Therefore, to apply for credit loan to buy the land for investment purpose in accordance with this information memorandum there will be no conditions or restrictions on such dividend payment. Year