% 212.0 38.4% Cost of Services -197.3 -35.7% -216.6 -28.3% -19.4 9.8% Insurance Expenses -32.6 -5.9% -59.5 -7.8% -26.9 82.5% Gross Profit 322.6 58.4% 488.3 63.9% 165.7 51.4% Loss from other financial assets

Financial Reporting Standard (IFRS). The significant changes are summarized as follows: 2.1 TFRS 9 Financial Instruments The Company reclassified of financial assets and financial liabilities to be consistent

, due to interest expense of lease contract. 2 Financial position analysis Unit : Million Baht March 31, 2020 December 31, 2019 Increase (Decrease) ร้อยละ Total assets 534.59 340.25 194.34 57.12 Total

period last year. Net loss attributed to owners of the parent was THB 26.55 million, dropped by 84.57% from THB 172.13 million from those of same period last year. FINANCIAL POSITION Assets As of Q1-2020

Instruments The Company reclassified of financial assets and financial liabilities to be consistent with the business model and management of the company’s assets and liabilities, based on the facts and

0.74% to (2.53%) An decrease in net profit is mainly contributed by the unrealized loss from fair value assessment of financial assets during Q3/2020 at THB 71.63 million and provision of obsolete stock

operating income ratio 22.7% 21.2% 21.2% 1.5% 1.5% 22.6% 22.2% 0.4% Cost to income ratio 41.9% 45.3% 43.5% (3.3)% (1.6)% 43.3% 42.1% 1.2% Return on average assets * 1.17% 1.19% 1.14% (0.02)% 0.03% 1.18% 1.16

receivable, the net profit grew 26% from the fourth quarter last year. An increase in net profit mainly due to a decline in bad debt and doubtful accounts and finance cost. Financial Status Total Assets As of

entering into the transaction of acquisition and disposal of assets and the connected transaction To President The Stock Exchange of Thailand Enclosure Information Memorandum on the Acquisition and Disposal

, the Bank sold non-performing assets (NPAs) totaling Baht 317 million and had gain of Baht 160 million. In the Financial Market business, the Bank generated revenue of Baht 79 million. The market shares