Assets 3,052.53 3,025.88 0.88 Current Liabilities 644.10 641.96 0.33 Non-Current Liabilities 525.59 689.26 (23.75) Total Liabilities 1,169.69 1,331.22 (12.13) Total Shareholders’ Equity 1,882.84 1,694.66

, Bangkok 10250 THAILAND. Tel: 02-0195000 Item 3-Months Period Ending 31 March 2018 2019 Net Number of New Branches Opened (1) (Branch) 1 6 Number of Equity Branches at Period End (1) (Branch) 103 116 Number

brand awareness and increasing FN brand equity, so the marketing activities has been arranged with sales plan improvement and promotion efficiency spending. 3. Selling and administrative expenses Selling

to 72% in 2Q18. The improved margin was not only attributed by the increase of fixed income from SW revenue and higher revenue per visit of non-SW category but also from the efficient cost control of

in income. Gross profit margin for the first quarter of 2020 decreased from 25% to 22% due to the decrease of revenue while the Company has fixed costs such as depreciation of top-up and vending

equity, so the marketing activities has been arranged with sales plan improvement and promotion efficiency spending. 95.07% 95.71% 95.53% 4.93% 4.29% 4.47% 3Q18 2Q19 3Q19 Sales Other Income 63.04% 64.71

2017, credit demand from large corporates increased with a major need for working capital and investment in fixed assets for some types of businesses. Demand for loans from SMEs has stabilized as the

shareholders’ equity was mainly derived from (1) Net profit during the period THB 28.5 Mn and (2) Disposal of discount on purchases of fixed assets from companies under common control THB 0.2 Mn. Cash Flow

) Gain on Sales of Fixed Assets - - 0.26 0.02 (0.26) (100.00) Gain on Foreign Exchange Rate – Net - - 0.41 0.04 (0.41) (100.00) Other Revenue 2.30 0.21 1.47 0.13 0.83 56.46 Total Other Revenue 2.30 0.21

Total Revenue from Sales and Services 940.57 99.57 966.99 99.47 (26.42) (2.73) Gain on Sales of Fixed Assets - - 1.00 0.10 (1.00) (100.00) Gain on Foreign Exchange Rate – Net 1.41 0.15 0.80 0.08 0.61