climate-related physical or transition risk changes over the short, medium, and long term. Novel and uncertain nature Many of the effects of climate change have no precedent, limiting the ability to apply

since there was change in borrowing condition from based on approval limit to actual use amount. • Trade and other receivables decreased by Baht (54.76) million, primarily due to allowance for doubtful

for Q2/2017 ended June 30, 2017 of the Company and its subsidiaries, as shown below : (Unit : Million Baht) Q2/2017 Q2/2016 Change Revenue 222 210 12 Gross profit margin 80 83 (3) Expenses 20 20

ชี้ชวนส่วนสรุป_TISCOU13_change fee_300312 1 ก ก ! " 13 ก ก ก ก 13 (TISCO Roll Up Bond Fund #13) ก-./01.กก234ก4ก-0 ก567.8 ก 9.0ก: ก 1,000,000,000 = (>1=?-) 4@ก A40-4B/ก = C3กA- D 1 32 A40-4 ก 3:- 1:ก. 99.0 ก 42 15 A3:- 1:ก. (150,000,000 =) 10 = ( ==?-) ! " !# !$% !"!&' !"กก 30 . ?4 2554 ! ( % !&'ก 12 H 19 ก44 2554 ก &% ( ) ก(%!# !ก*+ $" ? .2.:= 0-1กJ=/3กก242/2.ก=J=/1Kก-0 Lก ก & $ !-.( $" ? ก32@/0/2/N Lก@ 2 O/2/N0 2 O /2/Nก N/0N1P 3 ก47N47 N1NกกJ4- DN140@40>1N440...

Baht Item June 2018 March 2018 December 2017 Change (%) March 2018 December 2017 NPL before allowance for doubtful accounts 83,478 92,165 87,419 (9.4)% (4.5)% Ratio of NPL to total loans 3.5% 3.8% 3.9

monitoring given that general elections are expected to take place in early 2019. Thai Banking Industry The commercial banking system in Thailand continues to face challenges from an uncertain economic

accounting regime. Million Baht Item Quarter Change (%) Year Change 4/2019 3/2019 4/2018 3/2019 4/2018 2019 2018 (%) Bad debt and doubtful accounts 16,526 5,387 2,909 206.8% 468.1% 31,208 18,358 70.0% Loss on

highly uncertain situation. V2 27/08/63 5 Operating Income and Expenses of the Bank and its Subsidiaries Million Baht Quarter Change (%) H1 Change 2/2020 1/2020 2/2019 1/2020 2/2019 2020 2019 (%) Net

products such as steel, which is the main raw material in steel. In 2019, the steel price remained fluctuation, uncertain. Therefore, the Company has planned stock procurement to manage the changing of steel

outbreak, especially on export, tourism and industrial sector. However, economic recovery has been high uncertain from new wave of the COVID-19 pandemic since December 2020. As a result, the domestic tourism