due to THB appreciation against EUR and GBP • Net debt to equity ratio as of 30 June 2019 was 0.56x, comparing with 0.55x at the end of last year SIGNIFICANT EVENTS 4 major renovation works of Vienna

due to the significant revenue growth of Kasemrad Hospital Ramkhamhaeng, the opening of new specialized medical centers, seasonal epidemic, and the higher diagnostic and treatment capability of the

assets resulting from investment in projects for growth in the next 2-3 years. 5. Debt to Equity ratio for the 3-month period ended 31 March 2018 and for the year ended 31 December 2017 was 0.9 time and

the THB that affected the value of the Company’s overseas assets. • Net debt to equity ratio as of 31 December 2019 stood at 0.48x, an improvement from 0.55x in 31 December 2018. SIGNIFICANT EVENTS

launch in the fourth quarter of 2024. Overall, the company continues to maintain steady growth in both sales and profits. 2. Significant events and developments The company has a total of 1 1 5 branches

8,875m, increased by 128% YoY. Major drivers of such growth were 298% increase in revenue from sales of house and condominium together with 38% increase in revenue from rental and services which mainly

coverage to 8 provinces nationwide Growth from sales of the Mikka franchise as expected During the new outbreak of COVID-19 pandemic, the Company focuses on pop-up stores by adding more service points to

Bank’s loan portfolio for 1Q21 expanded by 2.1% from the end of 2020 with growth driven by hire purchase, housing and real estate lending segment. For asset quality, the Non-Performing Loans (NPLs) to

E_1 Legal_FA_2015_12_29-c A CorpL4.1hig A Executive Summary of Management Discussion and Analysis 1 For the Year Ending December 31, 2019 Thai economy in 2019 showed decelerating growth at 2.4

conducive to the continuation of economic growth and was appropriate given the inflation target. However, the MPC cited that the need for currently accommodative monetary policy would be gradually reduced