ratio 42.8% 39.9% 45.8% 2.9% (3.0)% 41.4% 43.3% (1.9)% Return on average assets * 1.16% 1.17% 1.07% (0.01)% 0.09% 1.17% 1.10% 0.07% Return on average equity * 9.16% 9.05% 8.38% 0.11% 0.78% 9.12% 8.61

and tax, depreciation, amortization, and rent (EBITDAR) were derived from total income (excluding dividend income, gain on sale of investments, gain on sale of assets, interest income and gain on

as certain banks had realized income from auction of mortgaged guarantee assets in the first quarter. Meanwhile, net fees and service income, in spite of an over-year decline, began to show signs of

Securities and Exchange Commission 3 Appendix Definitions “IT assets” means (1) system assets, i.e., computer network, system software, application software, and information systems; (2) equipment assets, i.e

Securities and Exchange Commission Appendix Definitions “ IT assets ” means (1) system assets, i.e., computer network, system software, application software, and information systems; (2) equipment assets, i.e

member dealers to provide quality financial services to AEON cardholders. Operating Results • Revenues In the fiscal year 2016, the Company’s consolidated revenues amounted to 17,759 million baht, an

Quarter of 2019 and 6-months period ending 30 June 2019 To The President The Stock Exchange of Thailand We, ZEN Corporation Group Public Company Limited (“the Group”), are pleased to provide you our

– Consolidated (Million Baht) As at Increase (Decrease) % March 31, 2018 December 31, 2017 Assets 835.17 787.13 48.04 6.10% Liabilities 177.77 123.43 54.34 44.02% Shareholders' equity 657.40 663.70 (6.30) (0.95

Thailand SAAM Energy Development Public Company Limited (the “Company”) would like to provide explanation and analysis regarding financial performance and position for the period ended 30 September 2020 as

3rd Quarter of 2019 and 9-months period ending 30 September 2019 To The President The Stock Exchange of Thailand We, ZEN Corporation Group Public Company Limited (“the Group”), are pleased to provide