% 3.5% ROE (%) 17.9% 13.8% 13.2% Allowance for doubtful account to total receivables (%) 10.8% 9.1% 8.9% Coverage Ratio (%) 190% 183% 152% NPL (%) 5.7% 5.0% 5.9% Stage 2 Ratio 3.8% 3.3% 2.8% 3

5,460 1,359 4,498 1,018 Doubtful 14,522 22,016 20,884 6,259 9,319 10,608 Doubtful of loss 54,901 52,371 53,837 30,087 27,566 30,188 Total 2,065,322 2,005,916 2,088,784 54,672 57,353 58,620 Add Excess

mining 51,498 52,359 46,658 (1.6)% 10.4% Others 313,565 295,724 297,076 6.0% 5.6% Total 2,083,160 2,021,246 2,003,989 3.1% 4.0% * Less deferred revenue Classified Loans and Allowance for Doubtful Accounts

loss of Baht 24.11 million in the nine-month period of 2015 due to: 1. Profits from sales of immovable property of Baht 70.40 million in total; 2. Reversal of doubtful debts of Baht 51.57 million If the

16,119 15,567 Special mentioned 67,596 50,516 848 623 Substandard 9,783 11,044 1,359 4,121 Doubtful 14,522 19,035 6,259 9,296 Doubtful of loss 54,901 53,718 30,087 28,969 Total 2,065,322 2,035,802 54,672

647 Up to 6 months 93 164 Over 6 months 39 22 Total 709 833 % of total receivables 93.0% 72.9% Allowance for doubtful debt 34 36 % of total receivables 4.5% 3.2% LIABILITIES AND SHAREHOLDERS’ EQUITY

for doubtful accounts was THB 32mn. AGEING OF TRADE RECEIVABLES (THB mn) 31 MARCH 2017 (Restated) 31 DECEMBER 2017 Not yet due 577 512 Up to 6 months 93 210 Over 6 months 39 34 Total 709 756 % of total

30 JUNE 2017 Not yet due 577 488 Up to 6 months 93 195 Over 6 months 39 44 Total 709 727 % of total receivables 93.0% 89.0% Allowance for doubtful debt 34 33 % of total receivables 4.5% 4.0

(Restated) 30 SEPTEMBER 2018 Not yet due 647 693 Up to 6 months 164 392 Over 6 months 22 54 Total 833 1,139 % of total trade and other receivables 77.3% 72.5% Allowance for doubtful debt 36 30 % of total

(THB mn) 31 MARCH 2018 (Restated) 30 JUNE 2018 Not yet due 647 619 Up to 6 months 164 241 Over 6 months 22 22 Total 833 883 % of total receivables 77.3% 75.8% Allowance for doubtful debt 36 35 % of total