across broader range of businesses and wider geographical areas. Meanwhile, consumer loans expanded in all purposes, particularly auto loans. However, commercial banks remained cautious in lending as their

from the end of 2019 with growth driven by hire purchase, housing and corporate lending segment. For asset quality, the Non-Performing Loans (NPLs) to total loans ratio for 3Q20 declined further to 2.9

2017. For asset quality, the Non-Performing Loans (NPLs) to total loans ratio at the end of 2Q18 further declined to 4.5% from 5.0% at the end of 2017. On Special Asset Management business, the Bank sold

%. The Bank loan portfolio registered growth across all segments with hire-purchase portfolio continuing to expand by 2.8% from the end of 2017. For asset quality, the Non-Performing Loans (NPLs) to total

2019, Baht 10,027.5 million, increased Baht 1,877.2 million as below detailed; 1. Overdrafts and Short-term loans from financial institutions decreased Baht 289.5 million. 2. Trade and other payable

million, increased Baht 1,579.4 million as below detailed; 1. Short-term loans from financial institutions decreased Baht 650.9 million. 2. Trade and other payable increased Baht 8.9 million. 3. Advances

carbon emissions To be further explored under Thailand Taxonomy and Thai SEC Guideline Sustainability Bonds/Loans Green Bonds/Loans Social Bonds/Loans Sustainability- Linked Bonds/Loans Transition Bonds

1.3 Gain (loss) on Securities trading 1.4 Gain (loss) on Derivatives trading 1.5 Interest and dividend 1.6 Interest on margin loans 1.7 Share of profit of subsidiaries and associates 1.8 Others incomes

Brokerage fees from Derivatives business 1.2 Fees and services incomes 1.3 Gain (loss) on Securities trading 1.4 Gain (loss) on Derivatives trading 1.5 Interest and dividend 1.6 Interest on margin loans 1.7

margin loans 1.7 Share of profit of subsidiaries and associates 1.8 Others incomes Total Income 2. Expenses 2.1 Expenses on Borrowing 2.2 Fee and Service Expenses 2.3 Bad debt and doubtful accounts 2.4