taken into account this extra expense, the administrative expenses will increase by 16% yoy. This increase was due to one-time expenses incurring from legal & advisory fee for the acquisition of

Digital ID (NDID) program – which will become the nation’s centralized system for digital identity verification and authentication – are as follows. 3 1. Banks must seek consent from customers and inform

Complex 4,347 92% Q3’19 The ESSE Sukhumvit 36 6,485 62% Q3’20 EYSE Sukhumvit 43 2,063 45% Q4’20 Santiburi The Residences 5,500 12% n.a. Note : 1Remained unit unsold will be launched in Q1’19 with the value

will consider adjusting the fixed deposit interest rate anew to be in accordance with the latest rate for such period, announced by each bank. 4. Total value and methods used to determine the total

joint ventures In the period of Quarter3/2019, amount of 110.8 million baht, or 3.1% from the total revenue. Due to loss from investments in joint ventures which are on construction period and will

third consecutive year. The bad debt portfolio under management by JMT showed it potential to growth its performance in future and will be a core contribution of the group of companies. Personal Loans

to revenues and salary & benefits of staff decreased due to cost saving policy by proper human resource management. Cost saving plan will be more effective starting 2Q/2020 One-time expenses For the

– Leases, for the year 2020 the Company will have incremental expenses to be accounted for about 3.5% - 4.0% of total SG&A. Please be informed accordingly. Sincerely yours, (Unyarat Pornprakit) Director and

that the operating results will improve in early 2021. As of now, the company is open for business as per usual, no direct operational impact from the COVID-19 outbreak situation. 2. Operating Results

amalgamated companies at their book values, eliminated by significant inter-company transactions, and the goodwill from the Amalgamation will not be occurred. Operating Results - Translation - 2 Total Revenues