Statements 5.1. BAM’s Business Opportunity 5.2. COVID-19 Impact IMPORTANT DISCLAIMER The information contained in this document has been obtained from several sources, and Bangkok Commercial Asset Management

Concentration by Region by Type 4. Key Financial Ratios 5. Forward Looking Statements 5.1. BAM’s Business Opportunity 5.2. COVID-19 Impact IMPORTANT DISCLAIMER The information contained in this document has been

identified as a Domestic Systemically Important Bank (D-SIB), to have additional capital to meet the Higher Loss Absorbency (HLA) requirement, which gradually raised the Common Equity Tier 1 ratio by 1.00

involve known and unknown risks, uncertainties and other important factors beyond the Company’s control that could cause the actual results, performance or achievements of the Company to be materially

instance, name, location, characteristics, type of holding (leasehold or freehold), managerial characteristics, previous operating results and other important information for investors’ decision making. In

service in Myanmar 9. Source of Fund Source of fund are included the issuance of new shares and the approval of credit facilities from financial institution after the capital increase. 10. Important

profit after tax stated in the separate financial statements and after deduction for various reverses. Therefore, it depends on the economy and the future of the Company’s operation as important. 7.2

deduction for various reverses. Therefore, it depends on the economy and the future of the Company’s operation as important. 7.2 Rights in Dividend for Subscribers of Capital Increase VAVA will receive

for Identification and Supervision of Domestic Systemically Important Banks (D-SIBs) Bank of Thailand issued Notification of BOT No. SorNorSor.16/2560 regarding Guidelines for Identification and

important statement, for instance, caution of risks; (2) using statement without being misleading or distortion; (3) not having exploitative terms and conditions, or not being unfair agreement; (4) covering