47.2% 41.3 49.3 -16.2% Gross Profit Margin (%) 49.0% 47.1% 1.8% 42.6% 50.2% -7.6% EBITDA margin (%) 62.0% 41.3% 20.8% 37.8% 40.4% -2.6% EBIT margin (%) 55.1% 34.1% 21.0% 29.8% 33.2% -3.4% Net Profit

Profit Margin 51.1% 58.9% GPM before adjustment with PPA/2 51.6% 59.1% Revenue and Share of Profit Sale of Investment Properties 3,469.4 3,891.2 12.2% Revenue from Sale of Investment Properties 3,005.6

margin (%) 65.5% 62.6% (2.9%) EBITDA margin (%) 31.6% 26.4% (5.2%) Net profit margin (%) 20.9% 5.9% (15.0%) Number of branches as at Mar 31 36 39 8% Change +/(-)Q1/19 Q1/20 Operating highlight in Q1/2020

Exchange of Thailand on December 16, 2019, and the transition from state enterprise to a fully commercialized public company. The main objective is to establish the efficiency and strength to our core

development complex located in the city of Shah Alam, Selangor State, Malaysia, and is conveniently accessible from the districts of Shah Alam, Klang, and Kuala Lumpur. The Company and the i-Berhad Group, a

China, following the boat accident in Phuket, and Russia, following the sanction imposed by the US, and last but not least, 4.) other supporting factors, namely public investments driven by state-owned

%) 186 86 (54%) Net Profit for the Company 63 (3) (105%) 123 10 (92%) Gross profit margin (%) 64.4% 54.9% (9.5%) 64.9% 59.5% (5.4%) EBITDA margin1 (%) 30.4% 18.6% (11.8%) 30.9% 23.6% (7.3%) Net profit

PowerPoint Presentation After You Public Company Limited Management Discussion & Analysis YE 2020 Management Discussion & Analysis Q4/2020 Gross Profit and Gross Profit Margin • The Company’s gross

overall economic performance and within the established targets. Our net interest margin (NIM) equaled 3.47 percent – slightly higher than the preceding quarter. Even though our cost to income ratio rose

. Meanwhile, net interest income rose Baht 637 million or 2.62 percent. Net interest margin (NIM) was equal to 3.43 percent, higher than the previous quarter, which was better than the target of 3.2-3.4 percent