cannot generate revenue immediately; some investments are not fully utilized or have not reached an optimal level yet; and some projects are delayed. Thus, costs per unit climbed up at this point; 4

(fully covered) ไว้ตลอดเวลาที่ได้ลงทุนหรือมีไว้ซึ่งตราสารนั้น เหตุผล สำนักงานได้ยกเลิก product limit ในตราสารดังกล่าว (เดิมกำหนดรวมกันไม่เกิน

office” means a governmental office which is classified to be a part of central government under the Law on State Administration1. “significant shareholder” means a person holding shares of any

revenue Classified Loans and Allowance for Doubtful Accounts Million Baht Item Loans & Accrued Interest Receivables * Allowance for Doubtful Accounts Classified to Bank of Thailand Criteria June 2017 March

Housing Real estate and construction Agriculture and mining Others Jun’20 V2 27/08/63 10 Classified Loans and Allowance for Expected Credit Losses Non-performing loan (Gross NPL) at the end of June 2020 was

Others 14.4% 14.1% 15.1% 2.9% 2.7% 2.5% 10.0% 9.9% 9.7% 12.3% 12.2% 11.5% 22.8% 22.4% 21.9% 37.6% 38.7% 39.3% Sep'19 Jun'19 Dec'18 V2 12/11/62 10 Classified Loans and Allowance for Doubtful Accounts

inventory increase 512.65 million THB or 3.02% i.e. from 16,964.84 to 17,477.49 million THB. Three projects have been developed from the previous year and are completed and ready to be handed over. Pieces of

‘Suntowers’, and the newly developed ‘Singha Complex’, a mixed-use development which is due for commercial operation in August 2018. In 1Q18, commercial property business registered total revenues of Bt.148mn

real estate development and service business. The Company has developed premium housing projects in central business area to open up new business opportunities. Moreover, the opportunity in rental real

THB. Two projects are completed and ready to be handed over, namely, Lumpini Ville Sukhumvit 76-Bearing Station and Lumpini Ville Ratchaphruek-Bang waek. There are projects developed from the previous