improved profitability from 36.1% to 51.1%. The significant improvement of such GPM was as a result of the increase in land sale price.  The gross profit margin from the asset monetization to WHART increase

portfolio has continued to grow satisfactorily expanding by 2.1% during 1Q21, the yield on loan for 1Q21 has declined to 6.8% comparing to 7.7% yoy resulting in a stable interest income yoy. Additionally

growth in line with improvement in the overall global economy. Moreover, domestic spending enjoyed promising growth, as evidenced by brighter consumption, private investment and public spending. Overall

of utility services in Q1/2018 compared with those in the same period of 2017, (while utility service income is stable), are attributable to the road and water system repairing cost. ▪ An increasing

มีความรุนแรง (Liquidity Coverage Ratio: LCR) (ร้อยละ) 164 แหล่งเงินท่ีมีความมัน่คงต่อความตอ้งการแหล่งเงินท่ีมีความมัน่คง (Net Stable Funding Ratio: NSFR) (ร้อยละ) 136 เงินกองทุนชั้นท่ี 1 (Tier 1 ratio

มีความรุนแรง (Liquidity Coverage Ratio: LCR) (ร้อยละ) 182 แหล่งเงินท่ีมีความมัน่คงต่อความตอ้งการแหล่งเงินท่ีมีความมัน่คง (Net Stable Funding Ratio: NSFR) (ร้อยละ) 144 เงินกองทุนชั้นท่ี 1 (Tier 1 ratio

"Stable". RML acknowledged the downgrade credit rating result prior to the effective date of Filing Form but RML did not reveal this credit rating in Filing Form. 27/12/2021 agreed to comply

warrants exercise  LTM 3Q18 Operating Cash Flow of $1,037 million  Net Operating D/E ratio 0.53x; Rating Upgrade to AA- with “Stable Outlook”  2019 Guidance reaffirmed; attractive and accretive production

durable goods. The Thai economy hence showed ongoing improvement from the first quarter. Nonetheless, the economic expansion, which was still limited and uneven, affected the performance of KBank and our

tax cut packages and accommodative fiscal policy. Broadly speaking, both developed and developing economies, excluding China, showed signs of improvement in concert. Looking forward, the global economic