income 881 935 6.1% 2,768 2,645 (4.4%) 2,667 2,245 (15.8%) Income tax expenses 171 114 (33.3%) 550 453 (17.6%) 477 394 (17.6%) Net profit Attribute to Owner of the Parent 706 789 11.7% 2,165 2,135 (1.4

Q4/2019 & 2019 Operating Highlights Key Financial Activities and The result of GLOW’s Tender offer Note: 1. Adjusted Net Income is the net profit attribute to the company that excludes the fair value

74,000 Million Capital Increase and Progress on Tender Offer to Delist GLOW Note: 1. Adjusted Net Income is the net profit attribute to the company that excludes the fair value of intangible asset from the

Risk Management Division, Assets and Liabilities Management Sub-committee and Risk Management Committee. We are also watchful for any potential impact on our deposits and liquidity, both short and long

Risk Management Division, Assets and Liabilities Management Sub-committee and Risk Management Committee. We are also watchful for any potential impact on our deposits and liquidity, both short- and long

are also watchful for any potential impacts on our deposits and liquidity, both short- and long-term, to ensure that we adopt proper fund-raising strategies. 7 3. Business Directions and Operations of

Risk Oversight Committee, Assets and Liabilities Management Sub-committee and Enterprise Risk Management Division. We are also watchful for any potential impacts on our deposits and liquidity, both short

Management Committee. We are also watchful for any potential impact on our deposits and liquidity, both short- and long-term, to ensure that we adopt proper fund-raising strategies. 2.4 Cyber Risk Management

supervision of the Enterprise Risk Management Division, Assets and Liabilities Management Sub-committee and Risk Management Committee. We are also watchful for any potential impact on our deposits and liquidity

also watchful for any potential impacts on our deposits and liquidity, both short-term and long-term, to ensure that we continue to adopt proper fund-raising strategies. 7 3. Business Directions and