days (days) 100.8 149.1 Efficiency Ratios Leverage Ratios Return on assets4 (%) 12.2% 8.5% Liability to Equity7 (times) 1.6 1.5 Return on fixed assets5 (%) 75.8% 60.1% Debt to equity8 (times) 1.0 0.9

) 74.6 85.0 Return on equity* (%) 40.3% 34.7% Payable days (days) 100.8 94.3 Efficiency Ratios Leverage Ratios Return on assets* (%) 12.2% 8.7% Liability to Equity (times) 1.6 1.3 Return on fixed assets

property, plant and equipment Net cash flows from investing activities Cash flows from financing activities Increase (decrease) in on call borrowings Proceeds from fixed period loan Payment of fixed period

Increase (decrease) in on call borrowings Proceeds from fixed period loan Payment of fixed period loan Proceeds from issuance of debenture and long-term debt instruments Redemption of debenture and long-term

from financing activities Increase (decrease) in on call borrowings Proceeds from fixed period loan Payment of fixed period loan Proceeds from issuance of debenture and long-term debt instruments

Fixed cost per month Cost 2020F 2021F 2022F 2023F 2024F Cost from employee’s salary Baht 13.21 million Baht 13.70 million Baht 14.38 million Baht 15.09 million Baht 15.83 million Other fixed cost Baht

) (8.8) Fixed deposits receipt 34,012.4 33,572.1 440.3 1.3 Total deposits 163,417.6 165,018.4 (1,600.8) (1.0) Owners’ Equity As of March 31, 2020, owners’ equity amounted to Baht 35,707.9 million

. This has affected the cost of goods sold, especially the fixed cost on salaries for the production that was not able to occupy full capacity. (3) Gross profit The Company and its subsidiaries’ total

purchasing in fixed assets and new branch expansion (Rayong). 3. Cash flow from (used in) financing activities The Company had a cash inflow from financing activities of Baht 8.11 million as a result of

Shield Account, Saving Deposit Account, Non-Fixed Deposit Account, Current Account, Fixed Deposits Account and Tax-Free deposit Account etc. 2. Loan Services The bank has divided the customers as the group