11.86% Finance cost 19.72 18.41 (1.31) (6.64%) Income tax expenses 17.98 22.21 4.23 23.53% Net profit 70.57 80.50 9.93 14.07% Net profit ratio (ROS) 20.41% 18.98% Earnings per share (Baht) 0.13 0.15 0.02

% Finance cost 35.09 41.36 6.27 17.87% Income tax expenses 37.04 42.24 5.20 14.04% Net profit 139.02 150.12 11.10 7.98% Net profit ratio (ROS) 19.92% 17.25% Earnings per share (Baht) 0.26 0.28 0.02 6.92

49.34 17.69% Finance cost 49.11 68.10 18.99 38.67% Income tax expenses 48.04 57.52 9.48 19.73% Net profit 181.71 202.58 20.87 11.49% Net profit ratio (ROS) 17.16% 15.74% Earnings per share (Baht) 0.34

67.37 94.72 27.35 40.60% Income tax expenses 59.19 65.40 6.21 10.49% Net profit 227.68 252.81 25.13 11.04% Net profit ratio (ROS) 16.00% 14.78% Earnings per share (Baht) 0.37 0.42 0.05 13.51% Total

Department for income tax filing – rather than bank account statements – as a 10 support document when applying for loan. This measure is meant to encourage our SME clients to comply with the SME single

Building with fund size of up to Bt 5,717.5mn Page 2 of 7 Management Decision and Analysis Q3’18 Performance Summary Consolidated Statement of Comprehensive Income (Unit: THB Million) Q3'17 Q2'18 Q3'18 % QoQ

time injuries in Q1 2020  Revenue: 295mTHB in Q1 2020 compared to 297mTHB in Q1 2019 a decrease of 1%  EBITDA: 58mTHB in Q1 2020 compared to 60mTHB in Q1 2019 a decrease of 5%  Net income: 19mTHB in

such as rubber and palm, weighed on household purchasing power. In response, the government approved Baht 84.2 billion in December to help support domestic spending. At the same time, private investment

follows: THB’000 Consolidated F/S ∆% Separate F/S ∆% 2018 2017 2018 2017 Revenues from Sales and Services 2,060,114 2,473,795 -17% 1,640,996 1,631,566 1% Interest income 2,302 1,045 120% 679 36,148 -98

from credit card income grew by 18% y-y which corresponds to increasing in the volume of card spending and cash advance. Other income from bad debt recovery grew by 32% y-y. As at August 31, 2022, the