tender offer for all of RCI shares at the offering price of 4.00 Baht, Which is higher than market price at that time by allowing Mr. Roongroj to purchased RCI shares by using inside information through

tender offer for all of RCI shares at the offering price of 4.00 Baht, which is higher than market price at that time by allowing Mr. Roongroj to purchased RCI shares by using inside information through

for all of RCI shares at the offering price of 4.00 Baht, which is higher than market price at that time by allowing Mr. Roongroj to purchased RCI shares by using inside information through his

offer for all of RCI shares at the offering price of 4.00 Baht, which is higher than market price at that time. Subsequently, on 31 July to 20 August 2019, Mr. Viboon purchased RCI shares by using such

for all of RCI shares at the offering price of 4.00 Baht, which is higher than market price at that time by allowing Mr. Viboon to purchased RCI shares by using inside information through his securities

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

able to achieve higher collection efficiency and cost control management.  The Company purchased bad debt from financial institution in Q1/2018 1,017 million Baht.  The Company’s Interest Bearing Debt

stood at 27.8%. An increase of net profit was a result of the Company has higher revenues from collection of purchased accounts receivables. Thus, the details of the Company group can be described as

/USD 32.31 in 2018 which was 5% stronger than the THB/USD 33.93 in 2017. Exceptional Items There were no Exceptional Items in 2019, 2018 or 2017. Subsequent Event None reviewQ419.xlsx MD&A 2019 24/02

34.25 in 2015. Exceptional Items There were no Exceptional Items in 2017, 2016 or 2015. Subsequent Event None