the decrease in business’s result for 9M19 since it caused the drop in revenue with the cost of employees of Dusit Thani Hotel Bangkok. However, the Company sold the long-term investment and recorded

increase in Ft rate. Q3/2018 Financial and Operating Highlights * ไม่รวมต้นทุนค่าเสื่อมราคาและค่าตัดจ าหน่าย Operating highlight in Q3/2018 Q3/17 Q2/18 Q3/18 Change +/(-) 9M/17 9M/18 Change +/(-) (THB

Interest on investment in loans 540 292 247 84.6 Others 21 22 (1) (4.7) For the year ended Consolidated Change Dec 31, 2019 Dec 31, 2018 Baht million % Interest expense 5,720 5,033 687 13.7 Interest on

year 2018 is greater than the year 2019. It is because the same period of the year 2018 yielded the adjusted transaction of allowance for investment loss of 1.5 million baht and allowance for the

% yoy with interest income from hire purchase and financial lease also increasing by 3.1% yoy. Interest on investment in loans declined 39.1%. For the year ended Consolidated Change Dec 31, 2018 Dec 31

. Interest on investment in loans declined 39.1%. For the year ended Consolidated Change Dec 31, 2018 Dec 31, 2017 Baht million % Interest income 16,294 14,844 1,450 9.8 Interest on loans 6,203 5,023 1,180

observed a growth in subsidiary business especially in distress debt management and mobile phone distributor. The details of the Company’s performance are explained as follows: 2016 2017 Change MB % MB % MB

with loss allowance for Stage 2 and Stage 3 based on lifetime expected credit loss  Classification of investment in receivables into Purchased or originated credit-impaired financial assets (POCI

) Separate financial statements 2019 2018 % Change Sales and Service Income 2,055.48 1,892.88 8.59 Cost of Sales and Services 1,647.83 1,572.51 4.79 Selling and Administrative Expenses 176.25 171.57 2.73

., BANGKAE, BANGKAE, BANGKOK, THAILAND. 10160 Tel: 02-455-2888 Fax: 02-455-2763 (“TRANSLATION”) TG 195/2560 November 8, 2017 Subject: Clarification of the Operating Result for the significant change Attention