ASEAN DEBT SECURITIES DISCLOSURE STANDARDS 1 แบบ 69-BASE-FD แบบแสดงรายการขอ้มลูและรา่งหนงัสอืชีช้วน ส าหรบัการออกและเสนอขายตราสารหนีใ้นลกัษณะโครงการ Registration Statement for Issuing and Offering of

ASEAN DEBT SECURITIES DISCLOSURE STANDARDS 1 แบบ 69-PRICING-FD Commercial Name of the Issuer……………………………………… Offering to…………………………………………………………………… Features of Debt Securities i.e. interest rate

ASEAN DEBT SECURITIES DISCLOSURE STANDARDS 1 แบบ 69-SUPPLEMENT-FD Commercial Name of the Issuer……………………………………… Offering to…………………………………………………………………… Types of Debt Securities ……………………………………………… Size

of properties for sale. ● The Company recorded Right-of-use assets of Baht 28 million in Q1/2020, due to the recognition of lease liability upon initial application of TFRS16 Leases at January 1,2020

sale pending recognition, suspended account for debt repayment, check pending collection and suspended account for write-off). However, cash collection is not an indicator of actual cash flow of our NPLs

based on appraisal price before taking into account the accrued debt obligation and the mortgage value. 2 The actual cost of acquiring the assets before revaluation of properties for sale. 12 Bangkok

0.11 Financial Policy Ratio1 Total liability-to-equity ratio times 1.43 1.57 2.12 Interest coverage ratio6 times 3.58 5.54 0.37 Debt service coverage ratio (Cash Basis) 7 times 0.07 0.25 (0.02) Dividend

period ended 30 September, 2019 After the payment of an interim dividend2 Return on equity (percentage) 15.241 17.981 Liability-to-equity ratio (times) 1.79 2.98 Interest bearing debt to equity ratio

services as compared to 85.4% in 2017. This is a good indicator that customers are warming up to outsourcing as they undergo their own journey of HR transformation. 2. Financial position Table 4: Overall

compared to the same period last year. It is a positive indicator as foreigners are accounted for more than 30% of the Company’s customer portfolio. For the plan to launch luxury condominium projects worth