interest at the rate of 2.00 p.a. Therefore, when considering the transaction size from the latest investment, as of May 9, 2019 and combined with the other transactions during the past 6 months, total

, diversified and steady cash flows, growing with a combined EBITDA of 18% YoY and 44% LTM 2Q19. The Integrated Oxides & Derivatives segment was negatively impacted by the extended shutdown into 2Q19 following

" : a combined total of 389 units in which the Company has 40% stake in the project. 2019 2020 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q

increase in yield on earning assets in all categories, combined with an increase in average loan volume. Consequently, interest income rose by Baht 2,329 million which was attributable to interest income

2018. However, these items are presented as combined line item, “Interest income from loans purchased” in the audited financial statement for the year ended December 31, 2019. As a result of

loans amounted to Baht 40,106 million, expanded by 6.6% from the end of 2019 with total combined other retail loans portion to total Bank loan portfolio at 15.5% as of end of 3Q20. Commercial Lending

statements for the year ended December 31,2016, 2017 and 2018. However, these items are presented as combined line item, “Interest income from loans purchased” in the audited financial statement for the year

interest income from loans following the adoption of the TFRS 9. This was also combined with a decline in transaction volume, as measures to prevent the spread of Covid-19 led to consumers using more digital

consideration of an offer for sale of newly issued shares at discount; (6) “offer for sale of warrants at discount” means an offer for sale of newly issued warrants of which the offering price combined with the

Provision ____________________ Chapter 1 Scope of Applicability ____________________ Clause 4 The regulations on structured notes is under two separate parts due to the combined characteristics of the bonds