electronic transactions to increase competitiveness of business operators as well as creating the readiness and conducive environment for the use of cutting-edge digital technologies to enhance operating

rejection, Cash2coin and SEADEX, which had been operating business by virtue of the Transitional Provisions of the Emergency Decree on Digital Asset Businesses B.E. 2561 (2018), have become subject to

) Biodiesel Edible oil Refined glycerine Byproduct Vessel operating Total Sale and service Other income Total revenues Revenues from sales and services 1,404.30 0.00 1,404.30 1.40 1,405.70 Cost of sales and

and service income to operating income ratio 24.1% 27.3% 24.7% (3.2)% (0.6)% Expense to operating income ratio 39.9% 45.5% 40.7% (5.6)% (0.8)% Return on average assets * 1.17% 1.10% 1.13% 0.07% 0.04

(Baht) 4.28 4.22 4.22 1.4% 1.2% 12.84 12.34 4.1% Net interest margin 2.30% 2.31% 2.33% (0.01)% (0.03)% 2.32% 2.33% (0.01)% Net fees and service income to operating income ratio 23.2% 22.7% 22.8% 0.5% 0.4

% 27,229 24,513 11.1% Earnings per share (Baht) 4.73 4.82 4.28 (1.8)% 10.6% 14.26 12.84 11.1% Net interest margin 2.42% 2.33% 2.30% 0.09% 0.12% 2.38% 2.32% 0.06% Net fees and service income to operating

Vessel operating Total Sale and service Other income Total revenues Revenues from sales and services 996.67 0.00 33.56 0.00 1,030.23 1.06 1,031.29 Cost of sales and services (920.07) 0.00 (28.08) 0.00

insurance business and non-life insurance business, whether operating under Thai or foreign law. “local auditor” means an auditor being able to legally audit according to the laws or rules of the country

stocked for 30 days just enough for monthly delivery plan within quarter and/or year contracts. Besides, the Company emphasis on efficiently control the loss rate from production but cannot completely

loss profit increased by 5.38 million Baht For the following reasons; The result of the 3rd quarter of 2019 (Unit: Million Baht) Biodiesel Edible oil By-product Palm oil refining service Vessel operating