expanded at 83.9%, personal loans increased by 35.5%, corporate lending loans expanded by 129.7%, Lombard loans expanded by 62.2% with real estate development loans also registering a growth of 10.4% in 2017

2017 with improvements in NPLs for both the real estate segment and the hire purchase segment. Capital Market business comprises of brokerage business, investment banking business, investment business

Loans (NPLs) to total loans ratio at the end of 1Q18 declined to 4.7% from 5.0% at the end of 2017 with improvements in NPLs for both the real estate segment and the hire purchase segment. Capital Market

Page 1 of 17 (-Translation-) No.DO 004/2563 February 12, 2020 Subject: The Acquisition and Disposition of Assets to Real Estate Investment Trust of M.K. Real Estate Development Public Company Limited

0.5% 2.0% Real estate and construction 200,467 199,224 202,600 0.6% (1.1)% Agriculture and mining 55,228 53,134 51,498 3.9% 7.2% Others 284,814 285,538 313,565 (0.3)% (9.2)% Total 2,017,314 2,029,810

or 865.5 %, compared to the same period of the last year. KEY HIGHLIGHTS • Total revenue increased by 152.5%, mainly from increase in revenue from sale of real estate and increase in revenue from sale

8.3 Housing loan 20,516 8.8 18,642 8.2 10.1 Commercial Lending 56,151 24.1 55,813 24.4 0.6 Real Estate Development loan 30,682 13.1 29,052 12.7 5.6 SMEs loan 25,470 10.9 26,760 11.7 (4.8) Corporate

7,627 3.3 7,040 3.1 8.3 Housing loan 20,516 8.8 18,642 8.2 10.1 Commercial Lending 56,151 24.1 55,813 24.4 0.6 Real Estate Development loan 30,682 13.1 29,052 12.7 5.6 SMEs loan 25,470 10.9 26,760 11.7

- Translation - Page 1 of 14 Information Memorandum on the Acquisition and Disposition of Assets to Real Estate Investment Trust of Finansa Public Company Limited The Board of Directors Meeting of

property fund for exemption of the value added tax, the specific business tax, and the stamp duty due to the conversion of a property fund into a real estate investment trust, as well as the benefits