Underemployment: Overall, Thailand’s unemployment rate rose to 1.0 percent of the 37.7 million total workforce in 2017, from 0.8 percent in 2016, according to the National Statistical Office. Compared to other

. enjoyed continually high loan growth. In addition, Muang Thai Life Assurance PCL retained its leadership in the bancassurance business, holding the second largest market share in total premiums. To secure

joint venture in the micro-loan business, achieved a total outstanding loan balance of THB 1,529mn. The second quarter of 2018/19 (ended 30 September 2018) 3 VGi GLOBAL MEDIA PLC MANAGEMENT DISCUSSION

from the end of 2019 with growth driven by hire purchase, housing and corporate lending segment. For asset quality, the Non-Performing Loans (NPLs) to total loans ratio for 3Q20 declined further to 2.9

revenue 3 Net Profit (Annualised) / Average Total Shareholders’ equity (average of outstanding at end of the same period in the previous year and at end of this quarter) 4 Earnings before interest and tax

’ equity (average of outstanding at end of the same period in the previous year and at end of this quarter) 4 Earnings before interest and tax (Annualised) / Average Total Assets (average of outstanding at

revenue 2 Net Profit attributable to equity holders of the Company/ operating revenue 3 Net Profit (Annualised) / Average Total Shareholders’ equity (average of outstanding at end of the same period in the

Profit (Annualised) / Average Total Shareholders’ equity (average of outstanding at end of the same period in the previous year and at end of this quarter) 4 Earnings before interest and tax (Annualised

’ equity (average of outstanding at end of the previous year and at end of this year) 4 Earnings before interest and tax (Annualised) / Average Total Assets (average of outstanding at end of the previous

) / Average Total Shareholders’ equity (average of outstanding at end of the previous year and at end of this year) 4 Earnings before interest and tax (Annualised) / Average Total Assets (average of outstanding