is the Company’s connected party, to own and have the absolute controlling power in the project SHAA Asoke; 2) investment in ONE CITY CENTRE (“OCC”) – grade A office building development project for a

substitutes of or additions from loans from financial institutions. Most of the bonds are credible to invest in, called investment grade, yet there are some that are not as credible, called non-investment

20.0 mm or 7.8% from the same period of previous year. The main reason was due to higher occupancy rate of Ready-Built factories and warehouses.  Gross profit from rental and service of warehouses

, including custom-built residential units of KBank partners’ projects. One notable promotional campaign was the “K-Home Loan - Easy Payment: 999 Baht/Month per 1 million Baht”. We also joined hands with a

built upon our Non-Capital Market Solutions and K-Lombard Financing, the new product serves as an alternative investment vehicle which covers all asset classes, thus comprehensively responding to our

deposits within Thailand or abroad which may be non-investment grade or unrated. We are elevating THE WISDOM brand along with maintaining our leadership status. Our customers were delivered exclusive

behavior. Given our knowledge and experience in Thailand, we have built a database of customers’ financial transactions in local markets, which can be further applied in our loan services and investment. 3

E_1 Legal_FA_2015_12_29-c A brWCorpL.1hig A Executive Summary Management Discussion and Analysis For the Quarter Ending September 30, 2019 Thai economic activity in the third quarter of 2019 continued to see limited support, after growing by 2.30 percent in the second quarter. The Thai economy did show some signs of strength in the third quarter, due mostly to the low base effect of the same period last year, especially in the tourism sector. However, exports and private investment – two major e...

% for the warehouse rental and service business which decreased from 57.0% in the same period of previous year, mainly due to change in product mix between Built-to-Suit and Ready- built facilities. 2

WHABT as mentioned above. However, the Company had higher occupancy rate for ready-built facilities as well.  Gross profit from rental and service of warehouses, distribution centers and factories during