maintain an adequate cushion for NPL in the banking system. Overall Picture of the Bank and its Subsidiaries Million Baht Item Quarter Change (%) H1 Change 2/2019 1/2019 2/2018 1/2019 2/2018 2019 2018

commercial banks during the remainder of 2019, loans – a core business – are likely to maintain their growth. However, overall loan growth will depend mainly on economic recovery, which may become more

exsisting shareholder proportionally purchase the newly issue warrant as described above. (2) GS can distribute water supply to enuser and reservoir can maintain an average water for distribution not less

of 2016. Looking ahead into the final quarter of this year, loans are set to maintain growth. Business loans, in particular, are expected to receive a boost from revival in economic activity and the

cost control. The Company has evaluated preliminary which is expected to gradually increase from 2019 to 2024 and reach the synergy value of approximately THB 1,600 million in 2024. In the first 6 months

obtained from negotiations between the Company and the Seller, the fair value of which had been evaluated by Capital Advantage Company Limited (“CapAd” or the “Financial Advisor”), which valued ART and AWM

shares in the proportion of 30.00 percent of the total issued shares of UWM were the value obtained from negotiations between the Company and the Seller, the fair value of which had been evaluated by

fair value of which had been evaluated by Capital Advantage Company Limited (“CapAd” or the “Financial Advisor”), which valued ART and AWM at Baht 493.37 million and Baht 148.01 million based on a 30

(excluded VAT). The details are as follows: Details (Unit : Million Baht) Fair value of the right to sell the advertising time during the broadcasting of 254.79 Golf European Tour Program evaluated by a

Index Furniture Center - Tha Phra Branch Due to the expiration of the lease agreement of Index Furniture Center - Tha Phra branch, the Company has thoroughly evaluated the worth of the investment and then