SME loans will be relatively stable compared with the previous quarter. Demand for consumer loans is likely to decrease significantly due to the Covid-19 outbreak and public health measures. Some

from the previous year (in 2018: THB 16.60 million), which is line with the greater irradiation. - Service income In 2019, SAAM Group’s service income, representing stable income generation from long

% p.a Average tenor 6.91 Yrs 1 Original planned issuance size is 5,000 MB BTS Group Green Bond Presentation 11 BTS Group Holdings PCL Company Rating : A / Stable ; May 15 , 2019 Issue Rating : A / Stable

?Apart from professionalism, asset management companies adhere to corporate governance principles as a factor for consideration on investment of the funds. We believe that shareholders will obtain stable

respectively, stable at 3.7% of total revenue during both years. This was an increase of THB 13.4 Mn or 19.7% and the main factor for the increase was increased marketing expenses Administrative Expenses For the

stable. SG&A The Company selling expense for the year ended 31 December 2019 and 2018 were THB 256.71 and 207.62 million respectively. Selling expense had risen by THB 49.09 million or 23.64% due mainly to

Competitive Environment In 4Q17, the mobile competitive landscape was stable in terms of both handset campaigns and pricing. Postpaid segment continued to be a key focus with handset campaigns to gain new

sale still stable. Panjawattana Plastic PCL. 28 Moo 2, Tumbol Chaimongkol, Amphur Muang, Samutsakhon 74000 Registration No. 0107554000208 Tel. (66) 02-150-5988, (66) 0-3483-9130-1 Fax. (66) 02-150-5987

selling and administrative expenses in proportional to sale still stable. Please be informed accordingly Sincerely yours (Mrs. Prim Chaiyawat) Company’s Secretary

while selling and administrative expenses still stable. Please be informed accordingly Sincerely yours (Mrs. Prim Chaiyawat) Company’s Secretary