order to hand over to housing juristic person and for repurchasing of houses from customers, totaling 247 million baht in the same period in 2018. In the first nine months of 2019, finance cost is

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

on loan for 2Q18 declined from 7.6% to 7.2% yoy due to the high growth of loan portfolio in the low yield segment – housing loans, corporate lending and real estate 6 development loans. Meanwhile, cost

declined from 7.6% to 7.2% yoy due to the high growth of loan portfolio in the low yield segment – housing loans, corporate lending and real estate 6 development loans. Meanwhile, cost of fund for 2Q18

to hand over to housing juristic person and for repurchasing of houses from customers, totaling 247 million baht In the first nine months of 2018, income tax is decreased in an amount of 284.54 million

from 7.5% to 7.2% yoy from the expansions of loan portfolio in the low yield segment – housing loans, corporate lending and real estate development loans. 6 Meanwhile, cost of fund for 2018 was

percentage of the Company Net Tangible Assets (NTA), total transaction is 64.21 million baht or 0.45% which more than 0.03% but less than 3% of NTA of the Company. So this transaction is the connected

tangible assets (“NTA”) based on the Company’s consolidated financial statement as of December 31, 2017 audited by the auditor. The size of transaction is more than Baht 1 Million but less than Baht 20

Tangible Asset) 5.39% This connected transaction will have the transaction size of 5.39 % of the net tangible asset (NTA) of the Company. The size of this transaction is more than 3% of the NTA of the

million, or less than 3% of net tangible assets (NTA), whichever may be lower. Such 3% of NTA value by the company as of December 31, 2017, stood at Baht 171.83 million. Accordingly, said transaction volume