September, 2018 and 2019. The Company has totaled other operating expenses consisting of (1) Employee expenses ( 2) Director’ s remuneration ( 3) Premises and equipment expenses ( 4) Tax and duties ( 5

Development) million baht 7,378 6,976 7,319 Operating expenses (include Research and Development) to sales (%) 13.90% 14.17% 15.61% profit marginOperating (%) 8.94% 11.32% 10.87% Other income to total revenues

Research and Development) million baht 8,180 7,378 6,976 Operating expenses (including Research and Development) to sales (%) 16.00% 13.90% 14.17% Operating profit margin (%) 4.48% 8.94% 11.32% Other income

% 149.1% 62,675 50,025 25.3% Operating expenses 15,988 12,679 16,344 26.1% (2.2)% 54,963 55,165 (0.4)% Impairment loss of loans and debt securities 16,342 5,381 2,765 203.7% 491.0% 32,351 21,965 47.3

and beverages 258.3 35.4% 277.2 36.6% Other operating expenses 293.9 40.3% 306.7 40.5% Costs of Sales and Service 552.2 75.7% 583.9 77.2% Gross Profit (After deduct Costs of foods and beverages) 471.1

university’s semester to April 2018. Share of profits from investment was THB 3 million, a 50% decrease yoy, primarily attributable to pre-operating expenses of Philippine Hoteliers International Center for

standards on financial instruments measured at fair value whose valuation was affected by the unprecedented Covid-19 outbreak which resulted in poor market conditions. The Bank’s operating expenses decreased

starting in Q3–2021 are lower project value. Total operating expenses in Q3-2021 decreased in line with revenue decreases when compare to Q2–2021 and Q3–2020 at a similar rate to the decreased rate in

-2023 Balance by Quarter Change Q3-23 Q2-23 Q3-22 Q3-23 VS Q2-23 Q3-23 VS Q3-22 (Million Baht: MB) (MB) % (MB) % Total revenue 1,704.9 1,703.0 1,886.5 1.9 0.1 (181.6) (9.6) Total operating expenses

profit sharing 275,156 141,197 133,959 94.9 Other operating income 96,520 124,660 (28,140) (22.6) Total operating income 4,338,567 3,802,954 535,613 14.1 Other operating expenses Employee's expenses