losses to NPL ratio /1 170.5% 203.9% 220.2% (33.4)% (49.7)% Total capital adequacy ratio 16.55% 18.48% 20.04% (1.93)% (3.49)% /1 Including interbank and money market lending At the end of June 2020, the

69,105 1.5% Interbank and money market items 2,380 2,429 2,039 (2.0)% 16.7% 7,130 6,403 11.4% Investments 2,611 2,621 2,454 (0.4)% 6.4% 7,580 6,764 12.1% Total interest income 28,471 28,014 28,220 1.6% 0.9

Analysis | 2 Executive Summary In 2018, palm oil production and crude palm oil (CPO) inventory have remained high in both domestic and international market, which resulted in the decreasing price of crude

reference. 11 Notification of the Capital Market Supervisory Board No. TorThor. 43/2552 Re: Custody of Clients’ Assets by Securities Companies _________________ By virtue of Section 16/6 of the Securities and

reference. Notification of the Capital Market Supervisory Board No. TorThor. 43/2552 Re: Custody of Clients’ Assets by Securities Companies _________________ By virtue of Section 16/6 of the Securities and

reference. Notification of the Capital Market Supervisory Board No. TorThor. 43/2552 Re: Custody of Clients’ Assets by Securities Companies _________________ By virtue of Section 16/6 of the Securities and

3rd party’s manufacture of THB 79 million or 34.8%. In 2Q/2019, domestic energy drink market posted a growth of 5.5% according to the final volume sold to consumer data by Nielsen. However, the

Shareholders No. 1/2018, held on 28 February 2018, whereby the “basis price” used for the tender is Baht 14.84 million, which is the price close to the appraised market value. The Company has attempted to

| 2 Executive Summary In 3Q/2019, overall palm oil production and crude palm oil (CPO) inventory remained high in both domestic and international market, thus crude palm oil (CPO) and crude palm kernel

and above under the ASEAN Asset Class PLCs category. The company is one of the Thai listed companies among 135 firms in ASEAN countries winning this award. It is sponsored by the ASEAN Capital Market