9.0 Housing loan 13,051 6.4 11,252 5.8 16.0 Commercial Lending 47,868 23.5 44,283 23.0 8.1 Real Estate Development 23,782 11.7 21,276 11.0 11.8 SMEs loan 24,086 11.8 23,007 11.9 4.7 Corporate Lending

loans, real estate development loans and housing loans while hire purchase loans declined slightly from the end of 2018. For asset quality, the Non-Performing Loans (NPLs) to total loans ratio for 1Q19

Phase 2 through Dream Islands Development Private Limited (“Developer”) which is a subsidiary of SPM SG, and SPM SG indirectly holds 95 percent of shares in the Developer. With the expertise in real

area and also from the decline in construction material sales in line with the slowed down in the real estate sector. Additionally, investment in machinery and equipment also contracted as exhibited by

from the decline in construction material sales in line with the slowed down in the real estate sector. Additionally, investment in machinery and equipment also contracted as exhibited by the decline in

renovations.  Selling expenses increased by Baht 33 million which is principally due to higher exhibition expenses, specific business tax and transfer fee offset by lower commission expense.  Administrative

of lower building repair expenses.  Selling expenses increased by Baht 46 million which is principally due to higher commission expense, specific business tax and transfer fee relating to property

. However, other revenues in 2018 caused by the gain from the transfer of rights and obligations in the land purchase and sale agreement in the amount of 5.34 million Baht. Personnel expenses For the year

transfer the ownership at the Land office where the lands are located within June 2018. 9. Benefit from selling the lands : Paying loans and reduce burden of bank interest gaining from the loans that were

ownership transfer of ordinary shares date or within 120 days from the date of the sale and purchase contract ordinary shares. • The seller must redeem the land from use as collateral the debenture within 120