% 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

% 23.5% 23.2% 0.3% Expense to operating income ratio 41.9% 45.8% 44.9% (3.9)% (3.0)% 42.8% 47.8% (5.0)% Return on average assets * 1.06% 1.07% 1.10% (0.01)% (0.04)% 1.09% 1.09% - Return on average equity

credit rating; (b) amount of investment money guaranteed and the guaranteed return (if any); (c) guarantee period and the end date of each guarantee period (if any); (d) fee estimate or the total expense

% Net interest margin 2.33% 2.34% 2.31% (0.01)% 0.02% 2.34% 2.33% 0.01% Net fees and service income to operating income ratio 21.3% 24.1% 22.7% (2.8)% (1.4)% 22.7% 23.7% (1.0)% Expense to operating income

income ratio 21.2% 21.3% 23.2% (0.1)% (2.0)% 22.2% 23.5% (1.3)% Expense to operating income ratio 43.5% 42.8% 41.9% 0.7% 1.6% 42.1% 42.8% (0.7)% Return on average assets * 1.14% 1.16% 1.06% (0.02)% 0.08

holding other company?s stocks ("holding company"). The amended regulations specify that holding company must hold shares in its subsidiaries that are categorized as its core business (either established in

preparation of consolidated financial statements as prescribed by the Federation of Accounting Professions;           (4)  PVDs will be allowed to invest in assets categorized as alternative investment which

least THB 1,922.80 million and not exceeding to THB 2,235.00 million (exclusive of value added tax, fee and expense for ownership transfer). The value of sub- Page 6 of 17 leasehold right will be

expense were 364.07 million baht decreased from the previous year by 1.82 million baht or 0.50%. - Net profit was 10.03 million baht decreased from the previous year by 16.36 million baht or 61.98

the Company also had revenue from inspection service for turnaround of refinery and petrochemical customer. - Cost of service, distribution costs and administrative expense were 425.44 million baht