medium-sized enterprises (SMEs) in business and industrial sectors to access the Thai capital market and adapt to digital transformation, and will join the group efforts in organizing training to

potentials and appropriate qualifications, to become ready for corporate leadership roles, through IOD’s training program for corporate directors, the Director Certification Program (DCP). The project is also

revenue 371.33 316.83 17.20 Total revenues 375.89 317.58 18.36 Net profit margin 57.61% 60.53% 2.92 Selling Administrative expenses 156.73 151.58 3.40 Selling Administrative expenses margin 41.70% 47.73

agreement 312.0 1.9 0.6 0.0 (311.4) (99.8) Gain on disposals of investments in subsidiaries 314.8 1.9 458.6 3.2 143.7 45.7 Other income 262.0 1.6 465.3 3.3 203.3 77.6 Total Revenues 16,637.8 100.0 14,122.1

1 Forth Smart Service Public Company Limited (FSMART) 2Q19 Management Discussion and Analysis Operational Summary in 2Q19  Net profit was Bt145mn, decreasing 3.4%YoY  Total revenue from core

since mid of the quarter)  Net profit was B127mn, decreasing 15.4% YoY – from Covid-19 pandemic and effect of new accounting standard adoption of Bt1.41mn.  Total revenue from core business was Bt729mn

hired on 2017 until 30 September 2019. As at 30 September 2019, the Group has backlog for construction service total of Baht 1,868.31 Million. Since 2018, the Group has been hired construction projects by

. The Company performance of the first quarter of 2022, the Company has total new sales increased by 41% y-y, mainly due to the continual increase in credit card spending through online channels and

362.6 401.6 (39.0) (9.7) Premises and equipment expenses 186.8 186.5 0.3 0.2 Other expenses 154.3 143.3 11.0 7.7 Total 703.7 731.4 (27.7) (3.8) Profit from Operations Before Expected Credit Losses and

) Employees' expenses 417.0 530.5 (113.5) (21.4) 362.6 54.4 15.0 Premises and equipment expenses 174.2 183.4 (9.2) (5.0) 186.8 (12.6) (6.7) Other expenses 184.3 184.0 0.3 0.2 154.3 30.0 19.4 Total 775.5 897.9