percent. Total business loans (64.1 percent of all loans) shrank by 0.8 percent due to the economic slowdown and debt repayments in many types of businesses. Corporate loans (excluding financial businesses

the economic conditions at the time and current cash collection efficiency. As of 31 December 2019, BAM has net book value of loans purchased of Baht 77,374.66 million against appraisal value of NPLs at

2016, following the growth of loans. Net Non-interest Income Net non-interest income are including net fees and service income, gains (losses) on trading and foreign exchange transactions, gains on

the growth of loans. Net Non-interest Income Net non-interest income are including net fees and service income, gains (losses) on trading and foreign exchange transactions, gains on investments

of 2018 Page 4 of 6 1.2.3 Finances Cost The financial expenses for 2018 amounted to Bt139.4 million, a decrease of Bt20.9 million or 13.0%(y-o-y). As the long-term loans of the Group have been

% Services Income structure of 2018 Page 4 of 6 1.2.3 Finances Cost The financial expenses for 2018 amounted to Bt139.4 million, a decrease of Bt20.9 million or 13.0%(y-o-y). As the long- term loans of the

for Q1/2019 amounted to Bt32.3 million, a decrease of Bt2.6 million or 7.4%(y-o-y). As the long-term loans of the Group have been gradually reduced in accordance with the payment schedule. While the

(52.1) Total loans purchased of receivables and accrued interest receivables 80,959 83,622 87,733 8.4 4.9 Less Allowance for expected credit losses (6,476) (6,247) (9,718) 50.1 55.6 Total loans purchased

1,379 660 24.1 (52.1) Total loans purchased of receivables and accrued interest receivables 80,959 83,622 87,733 8.4 4.9 Less Allowance for expected credit losses (6,476) (6,247) (9,718) 50.1 55.6 Total

detailed; 1. Overdrafts and short-term loans from financial institutions decreased Baht 335.4 million. 2. Trade and other payable increased Baht 9.9 million. 3. Advances received from customers decreased