recognized as an adjustment to retained earnings as at January 1,2020. The Company announced Q1/2020 Performance with Baht 699 million of Net Profit which decreased by 78.5% from Baht 3,247 million of Q1/2019

/ Total mandatory reserve 183.0 183.0 186.3 184.4 182.4 182.4 4 Profit and Loss Transaction For the three-month period ended June 30, CONSOLIDATED Change (BAHT'000) 2019 2018 Amount % Interest income

(BAHT'000) 2019 2018 Amount % Interest income 4,342,733 3,974,188 368,545 9.3 Interest expenses 1,426,426 1,223,771 202,655 16.6 Interest income, net 2,916,307 2,750,417 165,890 6.0 Fees and services

the parent) of Baht 310 million and earnings per share of Baht 0.16 for the first quarter of 2019, an increase of 20 percent when compared to the consolidated profits (attributable to equity holders of

subsidiaries’ total earnings amount to Baht 169 million, consisting of Baht 168 million contract revenue and Baht 1 million of other income and interest. This is a decrease of Baht 166 million (50%) from Q3/2018

Baht 56 million. Discussion and Analysis of the Company and its subsidiaries Operational Results in 2019 and 2018 Corporate Revenue In 2019 the Company and its subsidiaries’ total earnings amount to Baht

million contract revenue, other incomes include an interest of Baht 2 million. This is a decrease of Baht 60 million (24%) from Q2/2019. Q2/2020’s total earnings were mainly from the Company. The changings

% with net interest income increased by 9.4% driven by lower interest expense from continuous cost management while non-interest income decreased by 26.9% from the slowdown in economic activities

GP = Gross Profit, EBITDA = Earnings before Interest, Tax, Depreciation & Amortization, EBIT = Earnings before Interest & Tax, NP = Net Profit after Tax, EPS = Net Earnings per Share Gross Profit (GP

and paid-up ordinary shares deducted by the number of treasury share GP = Gross Profit, EBITDA = Earnings before Interest, Tax, Depreciation & Amortization, EBIT = Earnings before Interest & Tax, NP