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

/6 Performance Summary Q2/2562 Q2/2563 Change 6M/2562 6M/2563 Change value % value % Rental income 119.5 63.3 -56.2 -47.0% 246.3 161.1 -85.3 -34.6% Revenue from contracts with customers 30.9 32.3 1.4

Measures Terms and Conditions RMF LTF (discontinued) SSF SSFX (discontinued) TESG % Tax exemption Up to 30% of assessable income Up to 15% of assessable income Up to 30% of assessable income N/A Up to 30% of

Second Quarter of 2020 1. EXECUTIVE SUMMARY WHAUP finished our Second Quarter of 2020 with a Normalized Net Income of Baht 177.7 million, a 74.4% decrease from 2Q2019 while Net Profit of Baht 317.4 million

Financial Statement Summary in 1Q2020 Statement of Comprehensive Income Total Revenue Total revenue from the core business in 1Q2020 was Bt729.05mn, decreasing 8.7% YoY, mainly from a decrease of the middle

household consumption index continued to expand but the recovery in consumption of low-income households remained subdued, reflecting growth in limited sections. Moreover, growth in tourism industry failed to

billion) of income, an 11.7 percent increase from 2016. The main driver of tourism income was spending by Chinese tourists. Meanwhile, global financial markets experienced occasional volatility amid

THB 12.02 million, compared to the same quarter in 2019, the operating result decreased THB 11.29 million or 1,535.92 per cent. 1. Income from service and commission of the consolidated financial

First Quarter of 2020 1. EXECUTIVE SUMMARY WHAUP finished our First Quarter of 2020 with a Normalized Net Income of Baht 219.0 million, a 18.8% decrease from 1Q2019 while Net Profit of Baht 43.5 million

of audit firms reporting to audit committees on a limited range of inspection findings. Income taxes : Sometimes, firms involved in structuring taxes planning are also working on the audit; this could