31 March 2020 Ratio 2019 Ratio Increase / (Decrease) Amount % Service revenue 646.34 100% 480.92 100% 165.42 34.40 Cost of service 531.42 82.22% 404.10 84.03% 127.32 31.51 Gross profit 114.91 17.78

% proportion of total revenues. However, the Company has expanded its service channels through the online platform, which is more convenient for customers and also reduces the Company's operating costs, allowing

growth mainly coming from home loans and car loans. Meanwhile, credit card loans and personal loans continued to expand. Deposits grew by 4.2 percent from the end of 2018. The ratio of loans to deposits

flights per week staring from March 2018. For the first quarter of year 2018, the number of passengers rose by 8.4 percent. According to point-of-sale of the Company, the increasing percent proportion of

the first quarter of year 2018, the number of passengers rose by 8.4 percent. According to point-of-sale of the Company, the increasing percent proportion of international passenger was from 52.0

million baht 1,247 1,247 1,247 Key financial ratios Liquidity ratios Current ratio times 3.07 3.11 3.14 Quick ratio times 2.22 2.38 2.43 Cash ratio times 0.36 0.38 0.45 Receivable turnover times 4.82 4.70

6.54 million, whereas in the 9-month period of 2020 there was no such profit. Currently, the Company has the proportion between export sales and domestic sales accounting for 66 percent and 34 percent of

challenges from the effects of the Covid-19 outbreak on economic and financial systems in the first quarter. As of March 31, 2020, deposits grew at a higher rate than loans and the ratio of loans to deposits

priority to maintain interest-bearing debt to equity ratio in an optimal level. At the end of the year, interest-bearing debt to equity ratio was 1.17. During the past 3 years, MK Group was able to improve

high liquidity. The debt to equity ratio of the Group was at 0.11 times, the proportion of the liabilities was low.