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

Development) million baht 7,378 6,976 7,319 Operating expenses (include Research and Development) to sales (%) 13.90% 14.17% 15.61% profit marginOperating (%) 8.94% 11.32% 10.87% Other income to total revenues

expenses, save time and reduce traveling expenses from branch expansion. บ ริ ษั ท เ จ ต า แ บ ค จํา กั ด ( ม ห า ช น ) / ถนนศรีนครินทร์ หนองบอน ประเวศ กรุงเทพฯ 0 โทรศพัท์ : (66) 02 366 0400 โทรสาร : (66) 02

: +66 (0) 2625 1103 www.jubileediamond.co.th  Administrative expenses for the 4th quarter 2018 represented 7.2% of revenue from sales, decreased from the same period last year Baht 2.39 million or 7.3