payables being offset by (ii) an increase in other current assets, (iii) a decrease in other current liabilities, (iv) an increase in trade and other receivables and (v) and increase in real estate projects

and real estate development loans. 6 Meanwhile, cost of fund for 2018 was maintained at 2.3% resulting in loan spread to decline from 5.2% in 2017 to 5.0% for 2018. % 4Q17 2017 1Q18 2Q18 3Q18 4Q18 2018

a subsidiary company, which registered as a juristic person in Thailand under the Civil and Commercial Code on August 29, 2017. The subsidiary operates in real estate development and asset management

30, 2018 is equal to Baht 2.88 million. The company intended to develop this plot of land for sale in accordance with the company policy to conduct real estate development through ACC Landmark Company

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

the establishment of S Prime Growth Leasehold Real Estate Investment Trust (SPRIME) – the first leasehold commercial REIT of S invested in a 30-year lease of office space of Suntowers Building with fund

44,283 23.0 8.1 Real Estate Development 23,782 11.7 21,276 11.0 11.8 SMEs loan 24,086 11.8 23,007 11.9 4.7 Corporate Lending 20,196 9.9 15,807 8.2 27.8 Special Asset Management loan 604 0.3 607 0.3 (0.4

9.0 Housing loan 13,051 6.4 11,252 5.8 16.0 Commercial Lending 47,868 23.5 44,283 23.0 8.1 Real Estate Development 23,782 11.7 21,276 11.0 11.8 SMEs loan 24,086 11.8 23,007 11.9 4.7 Corporate Lending

loans, real estate development loans and housing loans while hire purchase loans declined slightly from the end of 2018. For asset quality, the Non-Performing Loans (NPLs) to total loans ratio for 1Q19

the acquired asset is real estate Remarks: NTA = Net Tangible Asset is calculated from total asset subtract intangible asset, debt, and minority shareholders. 5. Summary of main points for sales of