/14 Consolidated Statement of Cash Flow 2018 2017 + (-) % (in million Baht) For the nine-month period ended 30 September Non-cash transactions Transfer provisions to other payables and accrued expenses

of money transfer transactions per day was 30,006 transactions, Increasing 30.1% YoY Business Overview Quarter Quarter Quarter Quarter Quarter Y.2017 Y.2018 %YoY 4/2017 1/2018 2/2018 3/2018 4/2018

fully repaid in November 2019 from the net proceeds of SHR’s IPO, an increase in income tax expense due to growth in transfer value of residential project as well as fair value adjustments on investment

business was Bt799 mn, decreasing 5.2% YoY  Number of “Boonterm kiosk” was 129,208, decreasing 0.9% YoY  Total usage amount was Bt10,337mn, decreasing 0.8% YoY  Total average number of money transfer

of 265 million Baht, decreased by 42% or by 191 million Baht due to the absence of specific business tax and residence transfer expense. In 3Q 2019, the Company had a total finance costs of 219 million

7,539 million Baht, increased by 29% YoY, supported by revenue from the ESSE Asoke which has started the transfer since December 2018 and operating profit contributed from the new acquisition of Outrigger

payments, transfer and raise funds, make loans, and perform asset-management planning. In addition, banks are benefitting from advances in IT and customer analysis using Big Data Analytics and artificial

digital media, which is changing how consumers use financial services. The changing nature of financial transactions make it more convenient and faster for consumers to make payments, transfer and raise

the accounting standards on disclosure of financial information as categorized by business units, the income structure of the most recent year may be displayed instead. (For example, Business A and

growth resiliency of CPN’s operating results despite the ongoing major renovation at CentralWorld and the transfer of CentralFestival Pattaya Beach to CPN Retail Growth Leasehold REIT (“CPNREIT”) in