principle of widespread distribution to general subscribers without specific allocation to any particular individual (cherry picking), and must not be an arbitrage in evasion of regulatory compliance

(FVPL)  Impairment of financial assets based on an expected credit loss (ECL) framework with financial assets classification into 3 stages. Stage 1: financial assets where the credit risk has not

YTD  2021  2020  Price Change (%) 15.48  15.46  -21.59  Dividend Yield (%) 4.28  3.77  8.21  Payout Ratio 0.40  0.47  0.41  Dividend Policy To pay dividend from the net profit in its financial

dividend was paid on September 21, 2018 at the rate of Baht 2.00 per share with the remaining Baht 3.00 per share to be paid on May 21, 2019. The record date of dividend payout will be on May 2, 2019

/ Total loans (excluding interbank) 4.0 Total loan loss reserve/ Total NPLs (coverage ratio) 1 114.1 113.2 110.1 111.2 111.2 115.9 1 Excluding loans classified as Purchased or originated credit impaired

6 Offer Price Original The Offer Price is THB 91.9906 (Ninety-one point nine nine zero six Baht) per share (the “Offer Price”), which will be reduced by an amount of dividend to be received by the

(0.19) (0.92) Debt service coverage ratio (Cash Basis)7 times 0.07 0.25 (0.02) (0.05) (0.09) Dividend payout ratio8 % 80.79 97.77 309.91 N/A N/A Interest Bearing Debt to equity 9 times 1.39 1.38 2.04 1.32

ratio6 times 3.58 5.54 0.37 (0.19) (0.92) Debt service coverage ratio (Cash Basis)7 times 0.07 0.25 (0.02) (0.05) (0.09) Dividend payout ratio8 % 80.79 97.77 309.91 N/A N/A Interest Bearing Debt to equity

remaining Baht 3.00 per share to be paid on May 21, 2018. The record date of dividend payout will be on May 3, 2018. Capital Adequacy Ratio (BIS ratio) As at March 31, 2018, the Capital Adequacy Ratio (BIS

May 21, 2018. The record date of dividend payout will be on May 3, 2018. Capital Adequacy Ratio (BIS ratio) As at March 31, 2018, the Capital Adequacy Ratio (BIS ratio) under Basel III which included