the Consolidated Financial Statements ended 31 December 2018, which have been audited by the Company’s authorized auditor. The Company would like to clarify the operating results of the Company and its

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

building customer perception around service quality offering 24- month contracts with guaranteed quality service key differentiation. 3Q21 Operational summary In 3Q21, despite the shop closures for two

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

% from Baht 1,322 million to Baht 1,479 million for the six months ended June 30, 2017.  NNP margin maintained at 9.5% for the six months ended June 30, 2017, primarily due to maintaining of our operating

and THB 2,752 Million during the last 6 months. Apart from debt reduction, the cash injection from rights issue is enabling the Company to take up several critical Capex for operational improvements and

would like to clarify significant changes in the Group’s operating results are as follows: 1. Revenues from sales and services for the year 2017 decreased 15% compared to the same period of 2016. The main

839 Total Liabilities 930 797 853 Shareholder’s Equity 431 445 469 OPERATING RESULT (MILLION BAHT) Sales Revenue 3,979 3,727 969 Gross Profit 258 247 75 Operating Profit 131 126 35 Profit for the period