European fixed income – trends and analysis SEC Classification : ใชภ้ายใน (Internal) - R E S P O N S I B L E I N V E S T M E N T - ESG Incorporation & Investment Strategies in Fixed Income Carmen

Slide 1 Anya Khanthavit, Ph.D. Distinguished Professor of Finance and Banking Faculty of Commerce and Accountancy Thammasat University Setting Self-Discipline Saving Rates for Thai Income Earners in

% million baht % million baht % Revenue from sale of real estate 2,680.99 98.98 1,314.41 99.04 2,680.99 98.46 1,314.41 97.96 1,366.58 103.97 Other income 27.66 1.02 12.72 0.96 41.94 1.54 27.31 2.04 14.94

baht % million baht % Revenue from sale of real estate 1,314.41 99.04 553.18 97.35 1,314.41 97.96 553.18 97.35 761.23 137.61 Other income 12.72 0.96 15.06 2.65 27.31 2.04 15.06 2.65 (2.34) (15.54) Total

increase in real estate revenue recognition of 56.69 Million Baht or an increase by 15.94%. The revenue can be distinguished as follows: Comparison of six-month period operating income ended June 30th ,2017

2016 In(De)crease % Million Baht % Million Baht % Million Baht % Revenue from sales of real estate 351.68 99.00 351.68 97.43 91.29 91.80 260.39 285.23 Other income 3.55 1.00 9.29 2.57 8.15 8.20 1.14

and subsidiaries reported Baht 9,744 million in net profit, decreasing Baht 1,173 million or 10.75 percent over-quarter. The decrease could be attributed to non-interest income, which dropped Baht 3,187

. Income from medical treatments in the consolidated financial Statement went up 6.81% due to income from Chiang Mai Ram Medical Business Plc.”CMR”, a subsidiary amount Baht 3,747.64 million went up from

ended 31 March 2021 which was reviewed by the auditor. The Company’s overall performance can be summarized as follows: Performance (Statement of comprehensive income) 1Q2021 1Q2020 Increase/ (Decrease

results of WIIK and its subsidiaries for the three-month period ended September 30, 2019 as follows. Summarized of the Statement of income Unit : million Baht Quarter 3/2019 Quarter 3/2018 Changed