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

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

SECURITIES PUBLIC COMPANY LIMTED NO. 2/2022 DUE 2023 150.00   13/09/2022 15/09/2022 ด้อยสิทธิ   M.K. REAL ESTATE DEVELOPMENT PUBLIC COMPANY LIMITED Debenture - Long Term II/HNW THE DEBENTURES OF M.K. REAL

%, compared to the same period of last year. As the Company recorded deferred revenue from selling assets to WHA Business Complex Freehold and Leasehold Real Estate Investment Trust (“WHABT”) on 6 November 2015

NTA Company Cannot be calculated because it is the acquisition of real estate assets. 2. Net profit criteria Net profit from operations of assets to be acquired Company net profit Cannot be calculated

44,283 23.0 8.1 Real Estate Development 23,782 11.7 21,276 11.0 11.8 SMEs loan 24,086 11.8 23,007 11.9 4.7 Corporate Lending 20,196 9.9 15,807 8.2 27.8 Special Asset Management loan 604 0.3 607 0.3 (0.4

9.0 Housing loan 13,051 6.4 11,252 5.8 16.0 Commercial Lending 47,868 23.5 44,283 23.0 8.1 Real Estate Development 23,782 11.7 21,276 11.0 11.8 SMEs loan 24,086 11.8 23,007 11.9 4.7 Corporate Lending

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

area and also from the decline in construction material sales in line with the slowed down in the real estate sector. Additionally, investment in machinery and equipment also contracted as exhibited by

from the decline in construction material sales in line with the slowed down in the real estate sector. Additionally, investment in machinery and equipment also contracted as exhibited by the decline in