Saroj submitted securities trading orders before notifying a client and caused such client to suffer loss. In addition, most trading transactions had no source of orders. Acting Sub-lieutenant Saroj

client and caused such client to suffer loss. In addition, most trading transactions had no source of orders. {A} admitted that the client allowed him to sell the securities in cases of making profit or

4.3 10.2 18.5 1.9 0.2 2.1 NPLs/ Total Loans (excluding interbank) 4.5 4.5 4.1 4.1 4.2 4.2 Total loan loss reserve/ Total NPLs (coverage ratio) 113.8 113.8 114.8 114.1 113.2 113.2 Total loan loss reserve

Percentage 2Q18 1H18 2018 1Q19 2Q19 1H19 Loan growth 4.3 10.2 18.5 1.9 0.2 2.1 NPLs/ Total Loans (excluding interbank) 4.5 4.5 4.1 4.1 4.2 4.2 Total loan loss reserve/ Total NPLs (coverage ratio) 113.8 113.8

4.2 4.2 Total loan loss reserve/ Total NPLs (coverage ratio) 115.6 115.6 114.1 113.2 110.1 110.1 Total loan loss reserve/ Total mandatory reserve 184.9 184.9 184.4 182.4 167.0 167.0 4 Profit and Loss

Performance of the Bank and subsidiaries Percentage 3Q18 9M18 1Q19 2Q19 3Q19 9M19 Loan growth 3.5 14.1 1.9 0.2 2.0 4.2 NPLs/ Total loans (excluding interbank) 4.2 4.2 4.1 4.2 4.2 4.2 Total loan loss reserve

dropped from previous quarter resulting to stock loss during 2Q2020. As a result, the Company had a Stock Loss & NRV of THB 374 million, recorded EBITDA of THB -120 million, down 236% compared to 2Q2019

expenses 52.18 11.02 41.16 373.50 Finance cost 6.95 3.31 3.64 109.97 149.64 85.90 63.74 74.20 Loss Before Income Tax -86.11 -15.44 -70.67 -457.71 Income tax expense 4.18 -0.04 4.22 10550.00 Total loss for

services (1,149.4) (1,274.4) 125.0 10.9% Gross profit 471.6 466.2 (5.4) (1.1%) Net loss on exchange rate (4.6) (17.4) 12.8 278.3% Loss on forward contracts (0.2) (1.5) 1.3 650.0% Other income 3.7 4.7 1.0

subsidiaries (“the Group”) as follow: * Extraordinary items from non-operating, consists of unrealized gain (loss) on exchange rate of receivable under finance lease and gain (loss) on forward contracts