profit 664.3 37.9% 366.3 31.8% (298.1) (44.9%) Selling expenses 154.4 8.8% 127.2 11.0% (27.2) (17.6%) Administrative expenses 512.5 29.3% 1,012.8 87.9% 500.2 97.6% Other income 83.8 4.8% 531.8 46.2% 448.0

expanded sales channels through more online. In addition, Jaymart Mobile has also made significant cost cuts such as space rents, staff fees and other expenses in operation. In which selling and

(342.7) (4.8) Total Operating Expenses 6,216.3 6,532.6 (316.3) (4.8) Profit 394.3 392.1 2.2 0.6 Since the beginning of 2020, both business and society in Thailand and around the world have been widely

12.8 (165.8) (92.8%) Profit before expenses 507.7 506.1 588.2 497.6 (90.6) (15.4%) 1,978.8 2,099.6 120.8 6.1% Administrative expenses (84.7) (82.1) (106.1) (77.4) (28.7) (27.0%) (322.3) (350.3) 28.0 8.7

) 0.7 N.A.(

loan-related services in accordance with the TFRS 9. Operating expenses were similar to the first half of 2019, and the cost to income ratio was 45.0 percent. The Bank continues to take a well

persons 6. Market overview of the business of procuring benefits from invested real estate 7. Structure and operation of REIT 8. REIT Manager 9. Trustee 10. Fees and expenses collected from REIT 11

the result from new customers. Expenses 1. Cost of sales and hire of work totaling 175.25 Million Baht increased from the same period last year by 12.77 Million Baht or 7.86%. The primary cause is the

administrative expenses around 2.65 million baht, or 2.62% comparing to the same period last year aligned with the increase in sales volume. (unit: million baht) Q1/FY2019 Q1/FY2018 %YoY Total Revenues 1,439.49

% -5.5% -4.6% 731.43 23.6% 707.83 21.2% -3.2% Service & Administrative expenses (86.99) -10.5% (58.49) -7.0% (56.57) -6.9% -3.3% -35.0% (270.06) -8.7% (242.16) -7.3% -10.3% Operating profit 87.32 10.5