-currency-denominated senior unsecured debentures in March 2018. Non-interest income rose by Baht 2.2 billion or 19.1 percent, due largely to higher gains on tradings and foreign exchange transactions, gains

sector’s growth slowed down and private investment slightly dropped. However, private consumption continued to hold up, partly due to improvements in non-farm income and government measures to support low

of unsecured debenture with issued amount totaling of THB 500mn was due on 29 July 2018. The Company had repaid in full amount. Management outlook and future projects The management maintain positive

year. As the loan quality was relatively stable, the ratio of gross non-performing loans (NPL) to total loans was 2.9 percent, nearly the same level at the end of 2017. The Bank of Thailand’s Senior Loan

indirect totaling 25.7 percent of the Company’s paid-up capital. The Company intends to provide the unsecured short-term loan to GSTEL for temporary financial support to be used as working capital in their

Public Company Limited (“GSTEL”), the Company’s shareholder which hold direct and indirect 18.97% of paid-up capital of the Company. The Company had granted unsecured short-term loan of the principle

. 2025 Type of debentures : Name-registered, unsubordinated and unsecured debentures with debentureholders' representative Face value : Baht 1,000 per 1 unit of debenture Issue date : Within July, 2020

stabilize, the ratio of non-performing loan (NPL) to total loans was 2.9 percent, the same level as the ratio at the end of 2017. The Bank of Thailand’s Senior Loan Officer Survey indicated that in the first

deposits declining from the end of last year as a result. Regarding the quality of loans, the ratio of non-performing loan (NPL) to total loans slightly increased from the end of 2018 to 3.0 percent. V3 22

both direct and indirect totaling 25.7 percent of the Company’s paid-up capital. The Company intends to provide the unsecured short-term loan to GSTEL for temporary financial support to be used as