2019 31 December 2018 Gross Profit Margin 40.4% 34.4% Net Profit Margin1 67.1% 57.5% Return on Equity 2 18.6% 16.9% Debt/Equity Ratio 0.76x 0.69x Net Interest-bearing Debt/Equity Ratio 0.66x 0.58x 1 Net

institutions of Baht 300.0 million. 3. KEY FINANCIAL RATIOS 2Q’18 YTD 2018 31 December 2017 Gross Profit Margin 34.0% 34.7% 33.1% Net Profit Margin1 40.2% 55.2% 53.5% Return on Equity2 9.3% 15.9% 19.8% Debt

35.9 million, respectively. 3. KEY FINANCIAL RATIOS 30 September 2019 31 December 2018 Gross Profit Margin 38.2% 34.4% Net Profit Margin1 58.3% 57.5% Return on Equity 2 17.0% 16.9% Debt/Equity Ratio

Assets Total Liabilities Total Shareholder Equity Million Baht 31-Dec-18 31-Dec-19 7 3. KEY FINANCIAL RATIOS 2019 2018 Gross Profit Margin 37.3% 34.4% Net Profit Margin1 55.0% 57.5% Return on Equity 15.5

%) อัตราก าไรขั้นต้น (%) 62.6% 58.7% (3.9%) EBITDA margin1 (%) 26.4% 31.5% 5.1% อัตราก าไรสุทธิ1 (%) 5.9% 6.6% 0.7% จ านวนสาขาท่ีเปิดด าเนินการ ณ วันที่ 31 มี.ค. 39 39 0% เปลี่ยนแปลง +/(-)Q1/63 Q1/64 สรุป

183 (15%) EBITDA 27 33 22% 86 90 5% Net Profit(Loss) for the Company (3) (7) (133%) 10 4 (60%) Gross Profit Margin (%) 54.9% 56.2% 1.3% 59.5% 57.7% (1.8%) EBITDA Margin1 (%) 18.6% 23.9% 5.3% 23.6% 28.2

%) 340 242 (29%) EBITDA 65 24 (63%) 150 114 (24%) Net Profit(Loss) for the Company 28 (13) (146%) 38 (9) (124%) Gross Profit Margin (%) 62.6% 52.2% (10.4%) 60.6% 56.1% (4.5%) EBITDA Margin1 (%) 32.7% 20.7

355 (24%) EBITDA 60 58 (3%) 210 172 (18%) Net Profit (Loss) for the Company 17 13 (24%) 55 4 (93%) Gross Profit Margin (%) 61.4% 59.6% (1.8%) 60.9% 57.3% (3.6%) EBITDA Margin1 (%) 28.6% 30.4% 1.8% 27.2

Company 12 15 25% Gross Profit Margin (%) 58.7% 60.6% 1.9% EBITDA Margin1 (%) 31.5% 29.0% (2.5%) Net Profit (Loss) Margin 1 (%) 6.6% 7.5% 0.9% Number of branches as at March 31 39 39 - • After You Public

46% EBITDA 33 83 152% 90 142 58% Net Profit (Loss) for the Company (7) 34 586% 4 49 1,125% Gross Profit Margin (%) 56.2% 63.9% 7.7% 57.7% 62.4% 4.7% EBITDA Margin1 (%) 23.9% 35.3% 11.4% 28.2% 32.6% 4.4