to 4.2% from 5.0% at the end of 2017. On Special Asset Management business, the Bank sold non-performing assets (NPAs) totaling Baht 295 million and had gain of Baht 144 million. In the Financial

related transaction. Gross Profit and Gross Profit Margin For the second Quarter 2020, the Company had gross profit by THB 181.02 Million which was increased by THB 110.50 Million or 156.69% and Gross

Total loan loss reserve/ Total mandatory reserve 186.3 186.3 184.4 182.4 167.0 170.9 170.9 4 Profit and Loss Transaction For the year ended December 31, CONSOLIDATED Change (BAHT'000) 2019 2018 Amount

net loss includes unrealized loss on foreign exchange of 19.29 million baht. Comparing with last year, the Company had a net loss of 64.72 million baht which includes unrealized gain on foreign exchange

had a net loss of 34.71 million baht in which there is a loss attributable for the equity holders of the Company of 34.72 million baht and the net loss includes an unrealized gain on foreign exchange of

recorded gain on fair value adjustment of investment due to reclassification in the amount of Baht 2,334 Million, net of corporate income tax. 5. The progress of the MRT Blue Line Extension Project At the

result Million Baht 2019 2018 Sales 1,748.29 1,905.09 Cost of Sales 1,636.11 1,756.98 Gross Margin 112.17 148.11 Gain (loss) on exchange rates 38.44 (26.43) Other Incomes 33.76 30.28 Total Revenues

result Million Baht 2018 2017 Sales 1,905.09 1,849.88 Cost of Sales 1,756.98 1,621.03 Gross Margin 148.11 228.85 Gain (loss) on exchange rates (26.43) 23.44 Other Incomes 30.28 27.42 Total Revenues

of the different options available when there is a corporate action. • Differentiate between an unrealised and realised gain/loss. • Regularly review and keep investment account statements, transaction

by depreciation of Thai Baht. Gain on foreign currency exchange was mainly associated with the USD loan related to the SGAH transaction and was non-cash in nature. Net profit (loss) attributable to