of 636 million Baht (394% of total revenue), decrease by 27% or by 235 million Baht as compared to 3Q 2018 which comprises of: (1) administrative expenses of 371 million Baht, decreased by 11% or by 44

with loss allowance for Stage 2 and Stage 3 based on lifetime expected credit loss  Classification of investment in receivables into Purchased or originated credit-impaired financial assets (POCI

Purchased or originated credit-impaired f inancial assets 790 23 780 23 820 0.1 Total 277,757 12,812 271,951 11,725 248,770 8,658 As of the end of March 2021, allowance for expected credit losses totaled Baht

financial liability to be measured at fair value through profit or loss (FVTPL) are as follows: - Eliminates or significantly reduces an accounting mismatch. - A group of financial instruments is managed and

in merchandise exports, which started to impact domestic demand. Going forward, the risks to financial system stability need to be managed cautiously through both microprudential and macroprudential

/ 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

Phatra Asset Management name changed effective from September 28, 2020 2 Excluding loans classified as Purchased or originated credit-impaired (POCI) 3 The Bank current level of capital remains strong and

exchange rates and capital inflows should be closely monitored. Going forward, risks to financial system stability need to be more closely monitored and managed appropriately through the combination of

longer necessary for a credit- impaired event to have occurred. The Company applies the impairment approach to financial assets that are credit-impaired upon the initial purchase or acquisition and a

financial assets that are credit-impaired upon the initial purchase or acquisition and a general approach is applied to calculate expected credit losses on other financial assets. 2.2 TFRS 16 Leases TFRS 16