Rationale • Deepens the Bank’s presence in Indonesia, the largest ASEAN economy with GDP of US$1.04 trillion3 and 267 million population with young working age population, growing middle and upper income

%) Loss from impairment (611) (2,619) - - (611) (2,619) 2,008 77% Profit (Loss) before the effects of foreign exchange, deferred income tax and lease income 9,715 20,507 42 246 9,757 20,753 (10,996) (53

realized income of non-performing loans and expected credit losses. 2) Reclassification of investments and fair value from unrealized gain (loss) on investments are part of “profit (loss) from financial

of 2020, revenue from sales and services amounted to THB 446.5 million, a decrease of 146.0 million baht or 24.6% from the same period last year. Gross profit was THB 88.6 million, a decrease of THB

Baht 887 million and earnings per share of Baht 0.45, compared to consolidated profits (attributable to equity holders of the parent) of Baht 1,022 million and earnings per share of Baht 0.51 the

% Profit for the year 251 269 (18) -7% Earnings per share (THB/share) 0.42 0.45 (0.03) -7% Financial performance by segment. 2.1 Revenue by segment Unit: million baht for this year ended December Detail 2017

52 60 74 (14) -19% 98 113 129 (16) -14% Administrative expenses 33 33 55 (23) -41% 61 61 84 (23) -27% Profit for the year 167 167 145 22 15% 156 156 147 8 6% Profit (loss) attributable to Equity

% Selling expenses 291 218 72 33% Administrative expenses 145 130 15 11% Impairment loss in goodwill - 53 - 0% Profit for the year 314 225 88 39% Profit (loss) attributable to Equity holders of the Company

expenses 42 46 (4) -9% Administrative expenses 23 29 (6) -18% Profit for the year 2 (11) 13 115% Profit (loss) attributable to Equity holders of the Company 2 (11) 13 115% Earnings per share (THB/share) 0.00

million and earnings per share of Baht 0.54, an increase of 22% when compared to consolidated profits (attributable to equity holders of the parent) of Baht 887 million and earnings per share of Baht 0.45