businesses. Bond issuance could support businesses to have better capital structure and also benefit the economy of the country in term of fund sourcing and allocation. Nonetheless, most of the companies

allocation along with the service matching investment objective of each investor. Additionally, the SEC has recently raised the bar by requiring that the said advice and service must be provided by an approved

% 227 EBITDA Margin (%) 8.9% 4.7% 4.1% -4.9% -0.6% 9.1% 5.3% -3.8% 1.3% Net Profit 204 71 55 -73% -23% 795 270 -66% 937 EPS (Baht/Share) 0.28 0.07 0.05 -81% -23% 1.07 0.30 -72% (1.42) Stock Gain/(Loss

%) Gain on disposal of assets - - 18 0.0% (18) (100.0%) Gain on disposal of entities under common control - - 19 0.0% (19) (100.0%) Insurance compensation 3,283 5.2% - - 3,283 100.0% Other income(1) 4,855

) Gain (loss) on investment in securities 3.99 (30.31) (113.17) 0.05 (98.82) (140.62) Gain on sale of properties for sale 2,907.24 3,105.51 (6.38) 1,777.21 396.72 196.77 Gain on installment sales 93.60

) Loans purchased of receivables 4,407 1,152 3,054 (30.7) 165.1 - Part of fully received 348 - 202 (42.0) N/A - Part of account receivable - - 1,238 N/A N/A - Gain on loans purchased of receivables 4,059

fully received 348 - 202 (42.0) N/A - Part of account receivable - - 1,238 N/A N/A - Gain on loans purchased of receivables 4,059 - 1,584 (61.0) N/A Installment sale receivables 19 21 22 15.8 4.8 Others 3

non-performing assets (NPAs) totaling Baht 413 million and had gain of Baht 195 million. In the Financial Market business, the Bank generated revenue of Baht 64 million. The market shares (SET and mai

gain of Baht 195 million. In the Financial Market business, the Bank generated revenue of Baht 64 million. The market shares (SET and mai excluding proprietary trading) of Phatra Securities Plc. (PSEC

885 15.8 1,208 (15.2) 3,185 3,354 (5.0) Gain on financial instruments measured at fair value through profit or loss 157 183 (14.4) - n.a. 799 - n.a. Gain on trading and foreign exchange transactions