franchise branches. Cost of Sales and Services Item 3rd Quarter (July-September) 2018 2019 THB Mn % (1) THB Mn % (1) Revenue from Sales and Service 736.1 98.0% 759.5 97.2% Franchise Fee Income 15.2 2.0% 22.0

in 2018 amounting of 14.70 Million Baht as selling expense, while reclassify transportation expense to customer for 2019 amounting of 13.76 Million Baht as cost of service according to TFRS15. Moreover

2018 and continued to run the marketing campaign. Thus, the Company provides more channels to facilitate financial services to customers and reduce Company’s operation cost. After the Cardless withdrawal

) / Total revenues from sales EBIT margin (%) = (Profit before income tax expense + Finance Cost) / Total revenues from sales EBITDA margin (%) = (Profit before income tax expense + Finance Cost

) / Total revenues from sales EBIT margin (%) = (Profit before income tax expense + Finance Cost) / Total revenues from sales EBITDA margin (%) = (Profit before income tax expense + Finance Cost

) / Total revenues from sales EBIT margin (%) = (Profit before income tax expense + Finance Cost) / Total revenues from sales EBITDA margin (%) = (Profit before income tax expense + Finance Cost

customers and reduced the Company’s operation cost. As a result, the cardless withdrawal transactions currently accounting 97% of total personal loan sales. - Hire Purchase For the 1Q/2023 financial results

newly issued ordinary shares at the offering price of THB 2 per share to the existing shareholders of the company via a Rights Offering (RO) at an offering ratio of every 5 existing ordinary shares for 1

'/]" #3( futures contracts ".%/+ % ' #"+" - Forwards / Swaps replacement cost +, (.+, replacement cost +, (. E 2 2.1.2 Non FX-linked 30$). 2.1.1 30$). 2.1.1 2.2 !4!$$ 2.2.1 FX/Gold-linked (" 2) 30

. Cost and selling and administrative expenses in 2016 decreased by 74 million Baht compared to the previous year. The main reason was the decrease of cost on raw material and machinery maintenance