) / 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

% 3,104.93 100.0% 3,339.04 100.0% 7.5% Cost of services (658.51) -79.1% (655.73) -78.7% (652.92) -79.7% -0.4% -0.9% (2,373.50) -76.4% (2,631.21) -78.8% 10.9% Gross profit 174.31 20.9% 176.09 21.2% 166.35 20.3

12,547 12,416 Gross profit margin (%) 22.84% 25.49% 26.48% Consolidated financial ratios 2018 2017 2016 Financial data and profitability ratios (continuous) Operating expense (include Research and

baht 10,474 12,123 12,547 Gross profit margin (%) 20.47% 22.84% 25.49% ratiosConsolidated financial 2019 2018 2017 Financial data and profitability ratios (continuous) Operating expense (including

0.9% 1.85 0.2% -74.1% -21.3% Total revenue from core business (3 items) 842.14 100.0% 819.27 100.0% 798.65 100.0% -2.5% -5.2% Cost of services (658.33) -78.2% (652.92) -79.6% (629.36) -78.8% -3.6% -4.4

cost. - Motorcycle and Used Car Hire Purchase In the first quarter of 2018, motorcycle and used car hire purchase in Thailand and electrical appliances, mobile phone and etc. in oversea business, sharing