who have to postpone their annual general shareholders’ meeting – and are subsequently unable to appoint an auditor – due to the spread of the novel Coronavirus (Covid-19). In this regard, CMSB

PowerPoint Presentation การซกัซอ้มวธิกีารค านวณคา่ความเสีย่ง Large Exposure Risk ฝ่ายนโยบายธรุกจิตวักลาง มถินุายน 2563 Counterparty Risk Large Exposure Risk (LER)* Position Risk Investment Risk

Framework Section 4: Bond issuance Bond Issuance Subscription result : 8.41x Oversubscribe Tenor 2Y 3Y 5Y 7Y 10Y Total Government Yield 1.82% 1.88% 2.08% 2.27% 2.52% Spread 0.69% 0.75% 1.07% 1.30% 1.34% Final

increase of 463.3 MB and 700.2 MB or increase of 36.6% and 68.0%, respectively. This is because the Company had delivered many large-scale projects which had just been auctioned in early 2019. Those large

1Q19 was maintained at 2.3% resulting in loan spread for 1Q19 at 4.8%, a slight decline from 4.9% during 1Q18. 6 % 1Q18 2Q18 3Q18 4Q18 2018 1Q19 Yield on loan 7.2 7.2 7.3 7.3 7.2 7.1 Cost of fund 2.3 2.3

special products with a focus on dine-in products to be in line with the easing government measures in preventing the spread of COVID-19 as previously the Company has focused mainly on the development of

and real estate development loans. 6 Meanwhile, cost of fund for 2018 was maintained at 2.3% resulting in loan spread to decline from 5.2% in 2017 to 5.0% for 2018. % 4Q17 2017 1Q18 2Q18 3Q18 4Q18 2018

stable at 2.3% resulting in loan spread for 2019 to decline to 4.7% from 5.0% yoy. For the year ended Consolidated Change Dec 31, 2019 Dec 31, 2018 Baht million % Interest income 18,036 16,294 1,742 10.7

increase of 16.6% yoy from the growth in deposit. Yield on loan for 2Q19 declined to 7.0% from 7.2% in 2Q18 while cost of funds for 2Q19 was at 2.4% comparing to 2.3% yoy resulting in loan spread for 2Q19 to

% yoy resulting in loan spread for 2Q19 to decline to 4.6% from 4.9% during 2Q18. For the three-month period ended Consolidated Change Jun 30, 2019 Jun 30, 2018 Baht million % Interest income 4,343 3,974