Quarter 2020 Page 9 of 14 As at June 30, 2020, the consolidated interest-bearing liabilities were THB 3,413.00 million, slightly decreased from THB 3,424.40 million as at December 31, 2019. The net debt to

increase of Short-Term from financial institutions Baht 1,765.0 million. Net Interest-bearing Debt as of 2019 was Baht 11,002.1 million, increase from Baht 8,134.5 million at the end of 2018. Total

million. Net Interest-bearing Debt as of 2019 was Baht 11,002.1 million, increase from Baht 8,134.5 million at the end of 2018. Total Liabilities mainly consisted of Long-term Borrowings of Debentures

UpdatesExecutive Summary JPY THB By maturityBy Currency Non-current port of long- term loan Current portion of long-term loan % of total interest-bearing debt After Mar’ 22 34% Apr’ 18 – Mar’ 22 51% Apr’ 17 – Mar

, unless the investment management company proves that the organizational structure of the company will not cause conflicts of interest or that efficient measures to prevent conflicts of interest are put in

- 12th April 2022 and the interest rate of 2.95%. 2. The Company has been repurchasing stocks since the end of 2018. As of 30th June 2019, the Company has bought back 21.50 million shares worth 142.11

debentures, amounted to Baht 699.90 million for the 1st quarter 2018 with the interest rate 6.5 percent per year. 3 3. Profit for the period Unit: Million Baht Consolidated Separate 3 months Change 3 months

Assets As of June 30, 2020 THB 12,496 million Shareholders’ Equities Interest Bearing Debt P a g e | 17 - Management Discussion and Analysis 2Q2020 - 2.3 PP&E decreased by THB 124 million due to a

costs decreased by 11.2%, due to lower weighted average cost of fund mainly from issuance of recent bonds with lower interest rate, together with utilization of short-term instruments. PERFORMANCE BY

) 97.56% 97.25% 97.07% 96.55% Remark: Debt collection rate (%) refers to the percentage of the Company's ability to collect the debt. In case a collection of 97.2% means debt 100 Baht, the Company can