business loans December December Variance 2019 2018 Amount (%YTD) Agricultural and mining 12.9 867.9 (855.0) (98.5) Manufacturing and commerce 38,315.5 39,909.8 (1,594.3) (4.0) Real estate and construction

low-risk customers. Regarding home loan, we will revise our credit policy to be consistent with the Bank of Thailand’s macroprudential measure to be implemented to preclude speculation in the real

at the threshold that is not less than the requirement under the Notification of the Capital Market Supervisory Board concerning the Issuance and Offering of Trust Units of Real Estate Investment Trust

than that specified in accordance with the rules in the Notification of the Capital Market Supervisory Board concerning Issuance and Offer for Sale of Units of Real Estate Investment Trust or the

) dated 20 February 2017 (effective on 1 March 2017). 2 (3) a trust fund or a fund established under the laws of a foreign country of which the main objective is to make investment in real estate or in real

brighter investment outlook, and ongoing growth in tourism. At the same time, the real estate and construction sectors grew modestly, with expansion seen only in certain areas. Likewise, consumption fared

prudent credit policy in order to maintain overall portfolio quality. We thus held co-promotions with our real estate business partners targeting specific groups of customers through the offering of a

shares of Keystone Estate Co., Ltd. Land owner and property development 1,874.00 9,370,000 100.00 50.00 15 Ordinary shares of Keystone Management Co., Ltd. International school 500.00 2,500,000 100.00

decisions on investment in or disposing of securities or any other asset except real estate, leasehold interest in property or seeking benefits by other methods. 3 “property fund manager” means a property

effectiveness of pandemic control and vaccine development, the economic damage may be worse than what was seen during the 1997 financial crisis. Given volatility in the financial market and real sector which had