% yoy resulting in loan spread for 2Q19 to decline to 4.6% from 4.9% during 2Q18. For the three-month period ended Consolidated Change Jun 30, 2019 Jun 30, 2018 Baht million % Interest income 4,343 3,974

revenue despite lower EBITDA margin.  EBITDA margin was lower to 27.0% in 6M’2018 because EGAT tariff increase with less proportion than an increase in gas cost resulting from lower capacity payment due to

vehicle segment resulting in the number of new car sales for the first 8 months of 2018 to expand by 21.1% yoy with the growth for the passenger car segment (including SUV) and the commercial vehicle

vehicle segment resulting in the number of new car sales for the first 9 months of 2018 to expand by 20.3% yoy with the growth for the passenger car segment (including SUV) and the commercial vehicle

of tourist arrivals exhibited a slow growth, increasing 2.8% from the same period last year resulting from 1) low base effect of last year from the Phuket boat incident 2) exemption of visa on arrival

tourist arrivals exhibited a slow growth, increasing 3.5% from the same period last year resulting from 1) low base effect of last year from the Phuket boat incident 2) exemption of visa on arrival fee and

Company partly repaid some debt and converted balance debt to equity per the agreement. Short-term loan from other parties decreased by Baht 107 million resulting from compromise agreement signed by the

the decline in policy rate and deposit rates in the market and also from the temporary reduction in FIDF fee from 0.46% to 0.23% effective from Jan 1, 2020 onwards, resulting in loan spread for 1Q20 to

million and payment for treasury shares of Baht 511.96 million, resulting in a decrease in share book value from Baht 2.38 per share as at end of year 2019 to Baht 2.05 per share as at June 30, 2020. - 8

the decline in policy rate and deposit rates in the market and also from the reduction in FIDF fee from 0.46% to 0.23% effective from Jan 1, 2020 onwards, resulting in loan spread for 1Q20 to increase