Company still has the EBITDA profit margin equal to the same period of the previous year at the rate of 12. 5 percent because of its better capability to control the manufacturing costs, despite that the

margin to enhance net profit margin in its core business and revenues from Synergy among Jaymart Group of Company. Moreover, the Company was able to increase other revenues – food and beverage business and

income of Baht 42.30 million or 10.32% decreased from quarter 2/2019 of Baht 84.11 million or 66.54%. In the six-month period of 2020, the Company had gross profit from service income of Baht 141.54

(Baht) 4.45 4.28 4.33 4.1% 2.8% 17.29 16.67 3.8% Net interest margin 2.31% 2.30% 2.36% 0.01% (0.05)% 2.32% 2.34% (0.02)% Net fees and service income to operating income ratio 27.3% 23.2% 22.9% 4.1% 4.4

half of last year. When excluding Permata, the Bank’s net interest income increased by 1.8 percent, in line with an increase in loan volume. The net interest margin stood at 2.31 percent. Non-interest

period of the previous year were as highlighted below ; (Unit : Million Baht) Q3/2017 Q3/2016 % Change Sales and Service Income 514.22 465.84 +4.66 Cost of sales and Services 398.23 336.98 +3.01 Selling

second quarter of the previous year, mainly due to a decrease in activity by local retail investors. 1.2 Fee and Service income The Company’s fee and service income in the second quarter of 2019 was Baht

previous year which a net loss of Baht 9.99 million, the loss decrease Baht 1.54 million or decrease by 15.36% , the main reasons are as follow 1. Revenue from sale , Other income The company had revenue

parent) 7.48 8.52 -1.04 -12.21% 7.27 13.77 -6.50 -47.22% Total Comprehensive Income for the Period 7.48 6.71 0.77 11.40% Net Profit Margin to Total Revenue (percent) 2.24 2.00 In sum, the profit of the 3rd

acquired from the new machines to produce high- end products, which have higher profit margin than existing products; resulting in higher gross margin for Company. Although, in 2017, the group has an income