referred to in (1)(b), the estimated return shall be presented in term of dividend yield; (4) in case of specified property fund referred to in (1)(b), the estimated return mentioned in (3) shall not be

, primarily due to gain from fair value adjustment of investment property at THB 794m realized in 2Q18. The Company made the first dividend payment which was made from 2018 Net profit at THB 0.04 per share on

contained in such advertisement. In case of specified property fund referred to in (1)(b), the estimated return shall be presented in term of dividend yield; (4) in case of specified property fund referred to

than other information contained in such advertisement. In case of specified property fund referred to in (1)(b), the estimated return shall be presented in term of dividend yield; (4) in case of

Ref. No. IVL 005/11/2019 11 November 2019 The President The Stock Exchange of Thailand Subject: Submission of Quarterly Review of Financial Statements and the Management Discussion and Analysis of

Products 23 - Natural Resources Statement of Cash Flows Statement Financial Ratios Environment Management Accounting Statement of income 11 Financial Position 32 Management’s Perspective towards 2020

expectation, Not only exporting business but Travelling business also have trend to growing less than expected and moreover Thai foreign exchange rate of the Baht was appreciate that cause Financial

, Suanluang, Bangkok 10250 THAILAND. Tel: 02-0195000 Net Profit and Net Profit Margin Net Profit For the Year Ending 31 December % Change 2018 2019 Net Profit (THB Mn) (as per financial statement) 140.2 106.2

business but Travelling business also have trend to growing less than expected and moreover Thai foreign exchange rate of the Baht was appreciate that cause Financial Institutions Policy Committee announce

Financial Highlights 1Gross Profit Margin, EBITDA Margin and Net Profit Margin are calculated from Total Revenue 2Number of branches as at Dec 31 excludes temporary closed branches EDITDA and EDITDA margin