31, CONSOLIDATED Change (BAHT'000) 2018 2017 Amount % Interest income 16,294,353 14,844,465 1,449,888 9.8 Interest expenses 5,032,721 4,216,027 816,694 19.4 Interest income, net 11,261,632 10,628,438

interest rate by giving advance payments, totaling 2 transactions, which the principle has benn repaid and the Company has charged back interest at the rate of 2.00 percent p.a. which all interest will be

Company Limited (“the Company”) had refinanced long term loans for the Si Rat-Outer Ring Road Expressway Project (SOE) for total of Baht 10,000 Million with floating interest rate by issuing debentures with

interest of Baht 8,304,246.58. The Company agreed to dispose the rights under the Loan Agreement, the Pledge Agreement and the MOU to the 2 purchasers, i.e. Mr. Khomwit Boontumrongkit at the purchase price

) (2.15) 5.41 Gross profit (90.36) 167.55 (257.91) (153.93) Selling and administrative expenses (66.82) (151.10) 84.28 (55.78) Other incomes 3.70 30.38 (26.68) (87.82) Profit before interest and expense tax

% 986.58 876.62 13% Gross margin 108.76 79.99 36% 417.39 332.84 25% % Gross margin 30% 25% 4% 30% 28% 2% Administrative expenses 40.51 38.10 6% 153.19 137.37 12% Earnings before interest, taxes and

/ 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 (BAHT'000) 2019 2018 Amount % Interest income

(BAHT'000) 2019 2018 Amount % Interest income 4,342,733 3,974,188 368,545 9.3 Interest expenses 1,426,426 1,223,771 202,655 16.6 Interest income, net 2,916,307 2,750,417 165,890 6.0 Fees and services

in amount of not more than THB 1,500 million, in the form of promissory note with 1 month maturity without collateral guarantee Interest Rate : Not higher than interest rate received from financial

) Easing of the financial conditions – although the policy rate and interest rates have been at a low level but liquidity in the business sector is still at the low level especially for SMEs business. This