with InsurTech platform. For the operation of debt management last year, the Company acquire distress debt amount 21,003 million Baht in term of outstanding balance of bad debt. The Company’s strategy is

-to-equity ratio of 2.97 times and the interest-bearing debt to equity ratio of 2.61 times. Forward Looking The Company's operation has been continuing to set goals for the sustainability of the

Operating Results 3.2. Cash Collection from NPLs and NPAs Management Businesses 3.3. NPLs by Portfolio Concentration 3.4. NPAs Concentration by Region by Type 4. Key Financial Ratios 5. Forward Looking

Concentration by Region by Type 4. Key Financial Ratios 5. Forward Looking Statements 5.1. BAM’s Business Opportunity 5.2. COVID-19 Impact IMPORTANT DISCLAIMER The information contained in this document has been

Topic Outstanding by Quarter Change Q4 – 18 Q3 – 18 Q4 – 17 Q4 – 18 VS Q3 – 18 Q4 – 18 VS Q4 – 17 (MB) (MB) % (MB) % Total Revenue 1,109.5 1,053.3 1,279.4 56.2 5.3% (169.9) (13.3)% Total Operating

the following factors: 1) gradual relaxation of COVID-19 epidemic control measures and progress in vaccination 2) the impact of outstanding demand from the previous quarter and 3) government policies

, SG&A expenses as a percentage of revenue rose to 30.0% from 29.8%. The Company expects that the ratio should be maintained at no more than 30% going forward. Interest expenses increased 401.9% from THB

Winner: Best Retail Bank Thailand, Highly Acclaimed: Outstanding Digital Innovation in SME Banking, Highly Acclaimed: Best Customer Centric Business Model, Highly Acclaimed: Outstanding Innovation Program

securities investment and futures contracts. The meeting had also deliberated on the matter of “Master Blueprint” and the guidelines to drive forward concrete results.Moreover, the Digital Infrastructure

for promoting the development of financial innovation and regulations in our respective jurisdictions. We look forward to enhancing a close cooperation with the CSSF in the future.”Mr. Claude MARX