28,131,355 1.92 1.92 7. Mr. Pichai Nithivasin 20,103,100 1.37 1.37 8. Goldman Sachs International 12,977,068 0.89 0.89 9. Hua Kee Company Limited 12,855,500 0.88 0.88 10. Bangkok Life Assurance Public Company

our aspiration to become “Customers’ Life Platform of Choice”, meaning the most-preferred platform that can meet customers’ needs in every aspect of their lives, in order to deliver an excellent

2.5 Hire Purchase 104,609 51.3 103,926 53.9 0.7 Personal loan 5,941 2.9 5,745 3.0 3.4 Micro SMEs loan 5,485 2.7 5,031 2.6 9.0 Housing loan 13,051 6.4 11,252 5.8 16.0 Commercial Lending 47,868 23.5

Change Baht million % Baht million % (%) Retail Lending 129,085 63.3 125,954 65.3 2.5 Hire Purchase 104,609 51.3 103,926 53.9 0.7 Personal loan 5,941 2.9 5,745 3.0 3.4 Micro SMEs loan 5,485 2.7 5,031 2.6

million % Baht million % (%) Retail Lending 140,402 61.4 125,954 65.3 11.5 Hire Purchase 108,191 47.3 103,926 53.9 4.1 Personal loan 6,528 2.9 5,745 3.0 13.6 Micro SMEs loan 7,040 3.1 5,031 2.6 39.9 Housing

slowdown which could weigh on global trade and investment (2) the Coronavirus outbreak and associated fears that would greatly impact Thai tourism income and related sectors (3) the severe drought that would

Change Baht million % Baht million % (%) Retail Lending 140,295 60.2 140,402 61.4 (0.1) Hire Purchase 106,420 45.7 108,191 47.3 (1.6) Personal loan 6,768 2.9 6,528 2.9 3.7 Micro SMEs loan 7,271 3.1 7,040

Change Baht million % Baht million % (%) Retail Lending 140,477 60.2 140,402 61.4 0.1 Hire Purchase 105,279 45.1 108,191 47.3 (2.7) Personal loan 7,055 3.0 6,528 2.9 8.1 Micro SMEs loan 7,627 3.3 7,040 3.1

, 2019 Dec 31, 2018 Change Baht million % Baht million % (%) Retail Lending 140,477 60.2 140,402 61.4 0.1 Hire Purchase 105,279 45.1 108,191 47.3 (2.7) Personal loan 7,055 3.0 6,528 2.9 8.1 Micro SMEs loan

Jun 30, 2018 Dec 31, 2017 Change Baht million % Baht million % (%) Retail Lending 134,150 63.1 125,954 65.3 6.5 Hire Purchase 106,862 50.2 103,926 53.9 2.8 Personal loan 6,191 2.9 5,745 3.0 7.8 Micro