. For Credit Business which will focus on loan expansions to retail and Small and Medium Enterprise segment, the goals will be on building efficiencies, creating standards, identifying new alternative

% Effective Finance Cost 3.62% Credit Rating: AA- with stable outlook by TRIS in Sep’19 Net Operating Debt/Equity: 0.66 times 17% 15% 10% 19% 29% 2020 2021 2022 2023 2024 2025 & after 4% 5%LT Loan Debenture LT

approach to growth Spindletop (Huntsman assets acquisition) deal update Core EBITDA down 31% yoy Volume growth 23% year-on-year (yoy) Operating cash flow (OCF) growth 47% yoy Company credit rating re

crude oil prices we expect to see improved performance in the laggards of 2Q20. • Liquidity in the company remains high with cash and cash equivalents of US$0.8B and unutilized credit lines of US$ 2.0B

Promissory Notes will be offered as a private placement to the related-company and person with the interest rate not exceeding 5% per annum (considering the financial costs, collateral conditions, the credit

remained sound as banks continued to closely monitor credit quality and maintained high levels of loan-loss provision, capital fund and liquidity to facilitate further credit expansion. Credit Rating LH

ละเอียดการให้กู้ยืมเงินเพื่อซื้อหลักทรัพย์ รายการ จำนวนเงิน จำนวนราย 1. ยอดรวมมูลค่าหลักทรัพย์ที่เป็นประกัน 2. ยอดรวมมูลค่าหลักประกันอื่น 3. ยอดเงินให้กู้ยืมคงค้าง (margin loan) 4. ยอดรวม credit line

managed the customer credit during Covid- 19, including monitoring and collecting accounts receivable, resulted in the decrease in allowance for expected credit losses. 3 Management Discussion and Analysis

year 2018, the financial cost was 1.38 million baht compare to 1.88 million bath last year, decrease by 0.50 million baht or 26.59% decreased due to decrease in bank loan. 7. Share of profit (loss) from

payable days slightly increased from 65 days to 72 days due to higher vendor financing following network expansion. Credit term and collection period The normal credit term granted by the Company ranges