% 8.57 8.11 5.6% Net interest margin 2.31% 2.35% 2.27% (0.04)% 0.04% 2.33% 2.33% - Net fees and service income to operating income ratio 22.7% 24.7% 24.1% (2.0)% (1.4)% 23.7% 23.4% 0.3% Expense to

to the decrease in gains on investments and dividend income and the increase in expected credit losses. Net Interest Income In the first quarter of 2021, net interest income amounted to Baht 1,228.3

a net profit of Baht 2,334.7 million from the 9-month period of 2019, mainly from the increase in expected credit losses by 60.1%. Net Interest Income In the third quarter of 2020, net interest income

, gain from exchange rate, interest income and gain from sale of Fixed assets 1. Sales and service income for the three-month period ended 31 March 2018 amounting to THB 129.27 million increased from the

Total Revenues 380.51 100.00 349.22 100.00 Remark; (* ) Other income consist of supporting money from software developers, interest income, gain from sale of fixed assets and gain on investment etc. T.662

1.250 1.250 12-month Fixed 1.500 1.500 1.500 1.500 1.500 1.500 Bank of Thailand Policy Rate (%) 1.750 1.750 1.500 1.500 1.500 1.500 Non-Interest Income Million Baht Item Quarter Change (%) 1/2019 4/2018 1

Fixed 1.000 1.000 6-month Fixed 1.250 1.250 12-month Fixed 1.500 1.500 Apr 29, 2015 Bank of Thailand Policy Rate (%) 1.500 Non-Interest Income Million Baht Item Quarter Change (%) 1/2018 4/2017 1/2017 4

% 182.44 153.19 19% Earnings before interest, taxes and depreciation 102.79 92.44 11% 405.48 362.47 12% % Earnings before interest, taxes and depreciation 26% 25% 1% 25% 25% 0% Other income /(expenses) 5.09

0.4 Return on Fixed Assets (%) 11.4 11.0 Asset Turnover (Time) 0.5 0.5 Leverage Ratio Debt to Equity (Time) 1.1 1.0 Interest Coverage Ratio (Time) 0.6 1.3 23 ASIA’S BOUTIQUE AIRLINE Glossary https

the second quarter of 2019, an increase of 1.7 percent from the second quarter of 2018. Net interest income increased by 0.4 percent and the net interest margin improved slightly to 2.36 percent. Non