impact the Company’s operating performance in the short term, or for the next 2 quarters. Page 6 4. Financial Position of the Company and its Subsidiaries (Unit: Baht Million) 31 December 2017 31 December

of 2018, the figure stood at THB 5,758 mn, an increase of 9.4% YoY) due the growth in revenues of all businesses, effective cost management, increases in management fees and share of profit from

)% (4.6)% 35,330 33,009 7.0% Earnings per share (Baht) 4.24 4.73 4.45 (10.3)% (4.6)% 18.51 17.29 7.0% Net interest margin 2.46% 2.42% 2.31% 0.04% 0.15% 2.40% 2.32% 0.08% Net fees and service income to

% 227 EBITDA Margin (%) 8.9% 4.7% 4.1% -4.9% -0.6% 9.1% 5.3% -3.8% 1.3% Net Profit 204 71 55 -73% -23% 795 270 -66% 937 EPS (Baht/Share) 0.28 0.07 0.05 -81% -23% 1.07 0.30 -72% (1.42) Stock Gain/(Loss

2017 and 34.7 to 36.2 in 2016. However, the company has no policy to speculate on the exchange rate but continues its prudent policy in the full hedging on net position of each currency’s exposure to

festival in the 4thquarter of each year. Financial Analysis of the Company As at December 31, 2019, the Company financial position change from that of December 31, 2018, is presented and explained the

In case of the death of independent director, resign or terminate by the SEC office or where Derivatives broker is a part of financial conglomerate which has share holding structure, examination of

a part of financial conglomerate which has share holding structure, examination of internal audit and regulated by other competent regulators according to the notification of the SEC. The SEC Office

part of financial conglomerate which has share holding structure, examination of internal audit and regulated by other competent regulators according to the notification of the SEC. The SEC Office has

from January 1 - December 31, 2018, to the shareholders holding total 120 million shares, at the rate of Baht 1.80 per share, for total payment amount Baht 216 million. Said dividend payments are to be