dividend payment to shareholders and interest payment. 5 Key Financial Ratio Analysis For the period ended 30 June 2019 For the year ended 31 December 2018 Change Reason Liquidity Ratio (x) 4.90 4.53 0.37

Revenues and Net Profit Consolidated FS Q1/2019 Q1/2020 Change MB. % MB. % MB. % Revenue from contracts with customers 89.9 16.3% 97.1 12.7% 7.1 7.9% Interest income and dividend income 336.4 60.9% 362.8

1.3% Interest income 327.6 386.8 18.1% 664.0 749.6 12.9% Dividend income 0.8 0.4 -48.9% 1.3 0.8 -40.8% Profit from loans on purchase of receivables 126.6 221.8 75.2% 214.9 454.6 111.6% Income from

% 1 Other income consist of interest income, dividend income and gain on investment. In Table 2 , The Company‘ s revenue structure comprises 2 business units , HR Solutions and Financial Solutions with

million baht or 100.0 percent compared with Q3/2018. (4) Interest income Interest income for Q3/2019 was amounted 0.4 million baht, increased 0.2 million baht or 100.0 percent compared with Q3/2018. 2 (5

expenses increased from an operation of Centre Point Hotel Pattaya which opened in the end of 2018. 3) Finance cost in the second quarter of 2019, consisting of interest expenses, bank charges and financial

. Administrative Expenses Administrative expenses decreased by 5% comparing to 2Q19 (not included non-recurring expenses of THB. 22.5 million). This was attributable to staff expenses. Earnings before interest

20.79% from the same period of last year as a result of drop in gain from sales of investment and decreased interest income from Xayaburi Power Company Limited due to partial loan repayment and dropped

include the interest paid to financial institutions and related persons. The Company’s financial costs in 2018 were THB 78.74 million, rose by THB 4.38 million or 5.89% up from 2017 mainly from higher

THB mm THB mm % Dividend and Management income 471.6 399.6 (72.0) (15.3%) Others 461.3 358.0 (103.3) (22.4%) Total other income 932.9 757.7 (175.2) (18.8%) Other income for 2018 stood at THB 757.7 mm