administrative expenses Expected credit loss Finance costs Other expenses 1,921 1,226 453 2 1,987 1,619 418 3 2,033 1,563 437 2 2% -3% 5% -33% 6% 28% -4% 0% 1,732 872 471 1 1,853 1,530 458 2 7% 75% -3% 100% Total

% -22% 11% Total Revenues 5,820 12% 15,597 16,780 8% 14,872 15,945 7% Operating and administrative expenses Expected credit loss Finance costs Other expenses 2,039 1,884 475 0 5% 6% 12% 0% 5,846 5,011

27.0% Profit before expenses 470.5 452.0 (18.5) (3.9%) Administrative expenses (91.1) (121.4) 30.3 33.3% Finance costs (34.5) (43.6) 9.1 26.4% Profit before income tax 344.9 287.0 (57.9) (16.8%) Tax

12.58 (10.36) -45.18% 56.42 26.36 (30.06) -53.29% Other income 0.70 0.25 (0.44) -63.83% 1.29 0.55 (0.74) -57.25% Services expenses (1.23) (1.14) 0.09 -7.25% (2.53) (2.34) 0.18 -7.17% Administrative

293.50 402.13 -27.01% 1,170.02 1,048.72 11.57% (35.51) 25.78 -237.77% (289.67) 50.63 -672.19% Selling and Administrative Expenses 25.59 34.15 -25.06% 104.06 85.93 21.11% (61.10) (8.37) 629.71% (393.74

. % Mio. % Mio. % Subsidiary Profit before Expenses 185.1 20.2% 241.1 26.0% 56.0 30.3% Selling Expenses 96.5 10.5% 107.6 11.6% 11.1 11.5% Administrative Expenses 65 7.1% 88.4 9.5% 23.4 36.0% EBIT 23.6 2.6

3,903 3,681 222 6.0% Sales and service income 3,628 3,588 40 1.1% Other income 127 92 35 38.0% Gain on disposal of investment 147 - 147 100% Cost of sales and services 3,400 3,351 49 1.5% SG&A expenses

services and remittances. The Bank’s operating expenses were Baht 12.8 billion, an increase of 2.0 percent, with a ratio of expenses to operating income of 45.8 percent. Net profit (attributable to the Bank

- 2017 Balance by Quarter Change Q3-2017 Q2-2017 Q3-2016 Q3-2017 VS Q2-2017 Q3-2017 VS Q3-2016 (MB) (MB) % (MB) % Total Revenue 1,633.1 1,345.4 1,144.5 287.7 21.3% 488.6 42.7% Total Operating Expenses

-24.94 -28.17 Cost of services 7.99 5.79 2.20 38.00 Cost of sold - Administrative expenses 11.03 33.75 -22.72 -67.32 Finance cost 3.31 3.62 -0.31 -8.56 85.91 131.68 -45.77 -34.76 Loss Before Income Tax