million, declining by 2.7% from the end of 2018. Loan to deposits and borrowings ratio stood at 103.6%, comparing to 99.1% at the end of 2018. 10 LIABILITIES CONSOLIDATED Change (BAHT'000) Jun 30, 2019 Dec

114.8 114.1 113.2 113.2 Total loan loss reserve/ Total mandatory reserve 183.0 183.0 186.3 184.4 182.4 182.4 4 Profit and Loss Transaction For the three-month period ended June 30, CONSOLIDATED Change

(Thousands Baht) 1st Quarter Change 2019 2018 Amount % Revenue from sales 555,461 367,923 187,538 50.97% Other income 12,346 9,145 3,201 35.00% Total Revenue 567,807 377,068 190,739 50.58% Company total

loan. As a result, cost of goods sold and expenses of 1st quarter on year 2018 slightly increased by 8.98 percent from the same period last year. 1.3 Profit (Thousands Baht) 1st Quarter Change 2561 2560

2017 Change % Change Revenue 849.62 707.22 142.40 20% Cost 721.26 596.69 Gross profit 128.36 110.53 17.83 16% Gross profit margin 15.11% 15.63% Other income 0.24 3.80 (3.56) -94% Selling expenses 1.89

financial statements (Thousands Baht) 1st Quarter Change 2020 2019 Amount % Revenue from sales 626,724 555,461 71,263 12.83% Other income 4,194 12,346 -8,152 -66.03% Total Revenue 630,918 567,807 63,111 11.11

being Fourteen Points Company Limited (“FP”), MahaNakhon Bespoke Tailoring Company Limited (“MHNK Bespoke”) and Verita MHK (Thailand) Company Limited (“Verita”) in term of loan in the total amount of Baht

105.6 109.8 109.8 110.9 Total loan loss reserve/ Total mandatory reserve 188.1 185.1 185.4 188.6 188.6 186.1 4 Profit and Loss Transaction For the three month period ended March 31, CONSOLIDATED Change

purchase and financial lease declined slightly by 3.0% as a results of loan contractions yoy. For the three month period ended Consolidated Change Mar 31, 2018 Mar 31, 2017 Baht million % Interest income

of loans Sept 30, 2017 Dec 31, 2016 Change Baht million % Baht million % (%) Retail Lending 124,461 67.6 123,716 70.1 0.6 Hire Purchase 105,004 57.0 113,049 64.1 (7.1) Personal loan 5,509 3.0 4,240 2.4