ประเมินมาตรฐานการกำกับดูแล Financial Sector Assessment Program (FSAP) ในหัวข้อเกี่ยวกับผู้ออกหลักทรัพย์ ภายใต้มาตรฐานของ International Organization of Securities Commissions (IOSCO) ในเรื่องที่เกี่ยวกับ

% 3,104.93 100.0% 3,339.04 100.0% 7.5% Cost of services (658.51) -79.1% (655.73) -78.7% (652.92) -79.7% -0.4% -0.9% (2,373.50) -76.4% (2,631.21) -78.8% 10.9% Gross profit 174.31 20.9% 176.09 21.2% 166.35 20.3

46,887.3 100.00 6,179.4 13.18 Cost of sales and services 40,944.0 77.16 36,677.3 74.51 4,266.7 11.63 34,471.5 73.52 6,472.5 18.78 Gross profit 12,122.7 22.84 12,546.7 25.49 (424.1) (3.38) 12,415.8 26.48

and 1% q-q. Thus, the Company provides more channels to facilitate financial services to customers and reduce Company’s operation cost. Currently, the Cardless transactions at ATMs accounted for 19% of

(1,895.0) (3.57) 49,224.0 100.00 1,947.6 3.96 Cost of sales and services 40,697.1 79.53 40,944.0 77.16 (246.9) (0.60) 36,677.3 74.51 4,019.8 10.96 Gross profit 10,474.5 20.47 12,122.7 22.84 (1,648.2) (13.60

short-term investment which the Company has invested since January 2017. Cost of Sales and Gross Profit Unit : THB mm Unless otherwise stated For the three-month period ended 30 June For the six-month

'/]" #3( futures contracts ".%/+ % ' #"+" - Forwards / Swaps replacement cost +, (.+, replacement cost +, (. E 2 2.1.2 Non FX-linked 30$). 2.1.1 30$). 2.1.1 2.2 !4!$$ 2.2.1 FX/Gold-linked (" 2) 30

of 8 projects. Cost of Sales In 4Q/18 the Company’s real estate business cost equaled THB 1,010.8mn, an increase of THB 752.9mn from THB 257.8mn in the same quarter of the previous year in line with

0.9% 1.85 0.2% -74.1% -21.3% Total revenue from core business (3 items) 842.14 100.0% 819.27 100.0% 798.65 100.0% -2.5% -5.2% Cost of services (658.33) -78.2% (652.92) -79.6% (629.36) -78.8% -3.6% -4.4

project e.g. lower cullet costs, new formulation, lower sugar costs, however, somewhat offset by cost increase from natural gas. *Net Profit = Net Profit attributable to owners of the parent Financial