loans and interbank and money market items. Non-interest income fell by Baht 747 million or 5.2 percent due predominantly to lower gains on investments and net fees and service income, partly due to lower

represented 10.6% YOY while non-durable goods, in which high proportion of low to medium-income household expenditure, growth only 0.0% YOY since partly owing to household debt that was still elevated at 78% to

it is partly offset by slowdown Thailand tourism after the boat accident of Chinese tourists in July 2018. Q3’18 operating performance Hotels Q3’17 Q2’18 Q3’18 Santiburi Beach Resort & Spa No. of room

% 2 from 4.0% at the end of 2019 from asset quality management and also partly impacted by the current staging suspension for loans under financial assistance under the Bank of Thailand measures. 1

from the year 2018, partly due to the Bank of Thailand’s measures which increased the conditions in loan provision for real estate purchases and foreign customers are greatly reduced 3.3 Sales and

low agricultural prices. The tourism sector has also been slowing down, partly due to the effects of the rainy season and flooding in the northeastern region. However, the government has implemented

Malaysia, high demand for cars is partly driven by Sales and Service Tax exemption which will expire in June 2022. Cost of sales and services increased in accordance with higher sales. Gross profit increased

increase in gas consumption arising from the inclusion of the power plants, despite partly offset by a decrease in the average effective price of natural gas price which is tied to the weighted average price

cash equivalents increased by THB 4,110 million driven by cash generated from operations (see cash flow analysis). IPO proceeds were partly invested in short and long term debt securities resulting in

slower rate in March and reached its bottom in April (-8.1% YoY), it made a v-shape recovery with 18.0% growth in June, partly driven by additional supply of C-Vitt from capacity expansion. - While Q2’20