expenses 29.90 28.27 (1.63) (5.45%) Advisor expenses 3.81 1.95 (1.86) (48.82%) Loss on exchange rate 13.90 - (13.90) (100.00%) Reserve for Doubtful Debts - 4.03 4.03 100.00% Others 9.52 11.27 1.75 18.38

Company has recorded an allowance for expected credit losses (Allowance for doubtful accounts) for receivables overdue in accordance with the Thai Financial Reporting Standards No. 9 “Financial Instruments

and support them through the Covid-19 crisis, while strengthening loan portfolio quality through robust control of credit underwriting and risk management and maintaining the allowance for doubtful

following elements: • Central Park shopping complex with a total leasable area of 80,000 sq.m., in which CPN has 85% stake in the project. The project represents a distinguished experience and selecting an

% stake in the project. The project represents a distinguished experience and selecting an iconic global brand matching urban lifestyle with green area more than 1,000 sq.m. • Central Park Offices with a

project with 358 units and living space from 141-165 sq.m. per unit. The total project value is more than THB 1,000 mn and is located next to Centralplaza Phitsanulok, distinguished with the green area

only after NPAs are sold. Expected credit losses (2019: Bad debts and doubtful accounts) For the three-month period ended June 30, 2020, the Company recorded a total expected credit losses Baht 1,367

excluding loss from sale of foreclosed assets and loss from revaluations stood at 47.8% for 1Q18 comparing to 47.2% yoy. Bad debts and doubtful accounts and loss on debt restructuring totaled Baht 434 million

-to-income ratio excluding loss from sale of foreclosed assets and loss from revaluations stood at 47.8% for 1Q18 comparing to 47.2% yoy. Bad debts and doubtful accounts and loss on debt restructuring

from sale of repossessed cars (credit cost) stood at 1.33% of average loan for the year 2019. Allowance for doubtful accounts and allowance for troubled debt restructuring amounted to Baht 10,589 million