% 8.57 8.11 5.6% Net interest margin 2.31% 2.35% 2.27% (0.04)% 0.04% 2.33% 2.33% - Net fees and service income to operating income ratio 22.7% 24.7% 24.1% (2.0)% (1.4)% 23.7% 23.4% 0.3% Expense to

% EBIT 16.10 4.14 11.95 288% EBITDA 36.93 29.54 7.38 25% EBITDA margin 17% 16% Finance cost -1.22 -0.68 -0.55 80% Income tax expenses -2.74 0.33 -3.07 934% Net income for period 12.13 3.79 8.33 220

operating result for the 1st quarter 2020, revenue from sales decrease from the same period of last year at 5.5%. Gross profit margin is equal to 49.6%. Net profit for the 3-month period ended 31 March 2020

interest margin 2.48% 2.46% 2.34% 0.02% 0.14% Net fees and service income to operating income ratio 23.9% 24.3% 24.1% (0.4)% (0.2)% Expense to operating income ratio 42.6% 56.2% 39.9% (13.6)% 2.7% Return on

% Net Profit for the Company 38 65 71% 99 187 89% Gross profit margin (%) 68.4% 64.7% (3.7%) 67.7% 65.0% (2.7%) EBITDA margin (%) 28.6% 31.2% 2.6% 25.7% 30.9% 5.2% Net profit margin (%) 17.6% 20.6% 3.0

) (505,500,082) (327,258,194) Gross profit 13,889,078 13,889,078 27,648,176 Other income 14,704,589 14,703,664 23,546,969 Administrative expenses (129,469,708) (129,388,408) (116,002,628) Allowance for doubtful

6,112.42 million or 18.47% from the previous year. Gross profit for 2018 was Baht 2,320.28 million, a decrease by Baht 514.45 million or 18.15% from last year; however, gross profit margin improved from 7.89

period of last year; however, gross profit margin improved from 7.88% in 9M 2017 to 7.99% in 9M 2018. 2 Other income The Company and its subsidiaries had other income of Baht 1,290.68 million, increased by

quarter 1/2020, the Company had gross profit from service income of Baht 108.24 million or 21.87% decreased from quarter 1/2019 of Baht 3.17 million or 2.85% However, gross profit margin in quarter 1/2020

ended 31 December 2017, which net profit has changed more than 20% from the last year as follows: Statement of Comprehensive Income Unit: Million Baht 31 December 2017 31 December 2016 Increased