/ Total NPLs (coverage ratio) 115.6 115.6 114.1 113.2 110.1 110.1 Total loan loss reserve/ Total mandatory reserve 184.9 184.9 184.4 182.4 167.0 167.0 4 Profit and Loss Transaction For the three-month

-impaired (POCI) 5 Profit and Loss Transaction For the three-month period ended March 31, CONSOLIDATED Change (BAHT'000) 2020 2019 Amount % Interest income 4,840,262 4,440,556 399,706 9.0 Interest expenses

(POCI) 4 Profit and Loss Transaction For the three-month period ended March 31, CONSOLIDATED Change (BAHT'000) 2020 2019 Amount % Interest income 4,840,262 4,440,556 399,706 9.0 Interest expenses

expense 985 1,106 (10.9) 1,301 (24.3) Interest on deposits 654 737 (11.3) 799 (18.2) Interest on interbank and money market items 26 22 15.5 57 (55.1) Interest on debt issued and borrowings 134 177 (24.3

costs - Existing businesses 4.80 8.82 (4.02) -45.60% Finance costs - Solar energy 8.64 9.29 (0.66) -7.06% Profit before income tax 26.72 18.71 Income tax expense 2.41 1.42 Profit for the year 24.30 17.29

2,083.11 (4.46) Profit before income tax expense 40.89 83.58 (51.08) Income tax expense 16.43 17.60 (6.68) Profit for the year 24.46 65.98 (62.93) Other comprehensive income(loss) for the year, net of tax

declined due to new re-design and management for better effectiveness to reduce such headcount and expense. Administrative Expenses (Admin.) The Administrative Expenses in 2018 and 2017 was THB 140.41

has total expenses of 851.33 Million Baht or 39.69 Million Baht decreased from year 2018 which has total expense of 891.02 Million Baht or 4.45 percent declined by following reasons:  Cost of sales is

. The consolidated other incomes in 2019 was 1.60% of total sales, slightly decreased from 1.78% in 2018. Selling General and Administrative Expense The consolidated SG&A expenses in 2019 equaled to THB

increase in selling expenses amounting to Baht 5.07 million which is in line with the increase in sales revenue. However, the percentage of selling and administrative expense and revenue in 2019 has declined