. In 2019, the Company acquired non performing debt, both secure and unsecure loan, amount 28,933 million Baht (contractual value) with investment of 3,368 million Baht which divided to be almost the

6M/2019 Change % Change Services income from debts collection and others 65.4 91.8 26.4 40.3% 124.1 181.8 57.7 46.5% Revenues from collection of purchased accounts receivables 350.7 448.7 97.9 27.9

1.90 25.20 0.62 111.56 (10.56) หนา้ 7 4.1.1 Interest income Consolidated Unit: Baht million 2019 2018 Change (% yoy) Q4-19 Change (%qoq) Change (% yoy) Interest income Loans purchased 8,968.44 6,295.17

collection and others income 61.1 22.5% 58.7 14.7% -2.4 -3.9% Revenues from collection of purchased accounts receivable 209.2 76.9% 341.0 85.2% 131.8 63.0% Interest income and related income 1.5 0.6% 0.5 0.1

.) Interest Income - net 1,644 2,496 (34.1) 871 88.7 4,140 4,857 (14.8) Total Interest Income 2,225 3,078 (27.7) 1,352 64.6 5,303 5,782 (8.3) Cash at financial institutions 1 1 0.0 1 0.0 2 2 0.0 Loans purchased

stood at 27.8%. An increase of net profit was a result of the Company has higher revenues from collection of purchased accounts receivables. Thus, the details of the Company group can be described as

others 87.9 77.7 13.1% 269.7 201.8 33.6% Revenues from collection of purchased accounts receivables 524.9 369.3 42.1% 1,392.7 1061 31.3% Insurance income 71.3 35.1 103.1% 153.7 67.7 127.1% Interest income

. However, cash flow can still be collected as the Company continuously acquired more distress debt. In the quarter 3-4 of the year 2019. In the past, the Company had bought non-performing loans from

Change 9M/2018 9M/2017 Change MB MB % MB MB % Services income from debts collection and others 77.7 60.5 28.4% 201.8 177.0 14.0% Revenues from collection of purchased accounts receivables 369.3 288.9 27.8

10,791.2 6,342.3 11,914.4 Bangkok Commercial Asset Management Public Company Limited Page 4 management business4 Remark 1 “ Interest income from loans purchased” and “gain on loans purchased” are presented