16: Lease (replacing IAS17: Operating lease and Finance lease) Based on TFRS 16, operating lease expense is to be reclassified as ‘Lease Liabilities’ and ‘Right of Use’ . This applies to the long term

1 (Translation) MD. 063/2018 May 9 , 2018 Re: Management Discussion and Analysis For the Operating Results ended March 31, 2018 To: President The Stock Exchange of Thailand Management Discussion and

). The profit from operations before finances cost and taxes (EBIT) was of Bt495.3 million, increasing by Bt27.1 million, or 5.8%(y-o-y). Representing operating profit margin before finances expense and

2018 was of Bt1,535.9 million, increasing by Bt85.5 million, or 5.9%(y-o-y). Representing operating profit margin before finances expense and income taxes (EBIT margin) at 40.3% and the EBITDA was

and taxes (EBIT) in 2018 was of Bt1,535.9 million, increasing by Bt85.5 million, or 5.9%(y-o-y). Representing operating profit margin before finances expense and income taxes (EBIT margin) at 40. 3% and

fees and service income to operating income ratio 21.2% 23.9% 21.3% (2.7)% (0.1)% 22.5% 22.7% (0.2)% Expense to operating income ratio 45.3% 42.6% 42.8% 2.6% 2.4% 44.0% 41.4% 2.6% Return on average

provisioning rate. Operating expense marginally decreased by 0.4 percent from last year. The cost to income ratio was poised well at 41.1 percent. At the end of December 2019, loan amounted to Baht 2,061,309

whiling capable of using more efficient operating system by applying CCPH’s data system control know-how in seeking to even lower the operation expense through fewer manpower yet with higher efficiency

increase of 525 million baht or 12% y-y. Details of expenses are shown as follows: - Operating and Administrative Expenses For the fiscal year of 2019, the consolidated operating and administrative expense

are shown as follows: - Operating and Administrative Expenses The consolidated operating and administrative expense which including director and management remuneration expense in 1Q/2024 were 2,187