losses to NPL ratio /1 170.5% 203.9% 220.2% (33.4)% (49.7)% Total capital adequacy ratio 16.55% 18.48% 20.04% (1.93)% (3.49)% /1 Including interbank and money market lending At the end of June 2020, the

“Risk Factors” and separate different types of risk factors into different subsections. 3. In case of offering for sales of unusually risky debt securities, highlight the riskiness of securities on the

connected transaction according to the Notification of the Capital Market Supervisory Commission No. Tor Chor 21/2551 Re: Rules on Connected Transactions and the Notification of the Board of Governors of the

. Prachnon Termritikulchai therefore a connected person under the Notification of the Capital Market Supervisory Board No. TorChor. 21/2551 regarding the rules on connected transactions ( as amended) and the

view on luxury residential property market, which evaluated from the Company’s customers database and various reports from private and public sectors. The second quarter report from the Bank of Thailand

the receipt of financial assistance pursuant to the Notification of the Capital Market Supervisory Board No. Tor Jor. 21/2551 Re; Rules on Connected Transactions and the Notification of the Board of

. This transaction is considered as the connected transaction regarding the receipt of financial assistance pursuant to the Notification of the Capital Market Supervisory Board No. Tor Jor. 21/2551 Re

Capital Market Supervisory Board No. Tor Jor. 21/2551 Re; Rules on Connected Transactions and the Notification of the Board of Governors of the Stock Exchange of Thailand entitled Disclosure of Information

of the Capital Market Supervisory Board No. Tor Jor. 21/2551 Re; Rules on Connected Transactions and the Notification of the Board of Governors of the Stock Exchange of Thailand entitled Disclosure of

Company. It is classified as a Class 5 Connected Transaction, i.e., an offer of financial assistance, pursuant to the Notification of the Capital Market Supervisory Board No. TorChor. 21/2551 Re: Rules on