decreased by 7.0% from expenses controlling initiatives • Administrative expenses increased by 3.1% from personnel expenses and allowance for the doubtful debts Nine-Month Period • Total cost of goods sold

beverages grew 4.0% YoY. Total personal care continued to grow 6.4% YoY, of which CLMV markets grew 31.6%. Overall international business grew 8.6% at constant FX rate, driven by CLM. OEM-glass bottles sales

the delay. Therefore, the Company considered to record allowance for doubtful accounts with total amount of such unbilled 3 Months 2019 2018 Change 2019 2018 Change 2019 2018 Change Engineering 196 167

deposits for land - 41.30 (41.30 ) N/A (Doubtful accounts) reversal of allowance for doubtful accounts 1.25 0.24 1.01 4.21 Total expenses 139.22 237.52 (98.30 ) (0.41 ) Profit (loss) before finance cost

1/2018 4/2018 1/2018 Bad debt and doubtful accounts 4,437 2,909 7,369 52.5% (39.8)% Loss on debt restructuring (reversal) 641 (144) (47) 545.1% 1,463.8% Total 5,078 2,765 7,322 83.7% (30.6

doubtful accounts from other receivables that was not expected to receive payment of 1.2 mn Baht. However, in 2017, no allowance for doubtful accounts was recorded. Total selling and administrative expenses

293,507 (14.3)% (14.3)% Total 1,938,619 1,978,391 1,941,093 (2.0)% (0.1)% * Less deferred revenue Classified Loans and Allowance for Doubtful Accounts Million Baht Item Loans & Accrued Interest Receivables

impacting business solvency. The Bank continues to closely monitor its loan quality and set aside appropriate provisioning expenses. Total allowances for doubtful accounts were Baht 129.9 billion or 6.6

Bank’s international network. The ratio of non-performing loans (NPL) to total loans was 3.6 percent. The Bank’s total allowances for doubtful accounts amounted to Baht 151,515 million, which will be an

line with the prudent approach of setting aside adequate provisioning expenses, the Bank’s total allowances for doubtful accounts amounted to Baht 147.2 billion, which will provide a cushion against any