environment The Thai economy for the year 2019 exhibited a decelerating trend. Private consumption slowed down in almost all categories especially in durable goods from the contractions in vehicle sales partly

measures implemented to curb the outbreak. Durable goods segment also declined from the contractions in vehicle sales in line with the weakened household income from lower income, employment and consumer

consumption slowed down in almost all categories especially in services segment: hotels, restaurants and transportations from the various measures implemented to curb the outbreak. Durable goods segment also

go into daily necessities and non-durable consumer goods having inelastic demands. • Liquidity in the company remains high with cash and cash equivalents of US$0.6B and unutilized credit lines of US

UNOFFICIAL TRANSLATION Readers should be aware that only the original Thai text has legal force and that this English translation is strictly for reference Form 69-REIT REIT Registration Statement

(UNOFFICIAL TRANSLATION) Readers should be aware that only the original Thai text has legal force and that this English translation is strictly for reference. The SEC, Thailand can neither undertake

Instruments which came into force on January 1, 2020. Nonetheless, net interest income and net interest margin (NIM) rose over-quarter due to loan growth and the TFRS9 revenue recognition concept in which

UNOFFICIAL TRANSLATION Readers should be aware that only the original Thai text has legal force and that this English translation is strictly for reference. Notification of the Office of the

UNOFFICIAL TRANSLATION Readers should be aware that only the original Thai text has legal force and that this English translation is strictly for reference. 30 Notification of the Office of the

regulatory changes, especially new mortgage measures which will come into force in April 2019, implementation of the Basel III capital requirements, and preparations for International Financial Reporting