% 91.15 % - 2.61 1.3 Sales and service income - Property development - Concrete products and others Baht 100.89 million Baht 20.67 million Baht 80.22 million 388.10 Baht 88.75 million Baht 72.51 million

Cost of service (34,589) (42,149) 7,560 (17.94) Total Costs (175,250) (150,698) (24,552) 16.29 Gross Profit 101,265 70,749 30,516 43.13 Reversal of allowance for doubtful accounts 174,875 - 174,875

% (0.39)% (0.23)% 2.31% 2.42% (0.11)% Net fees and service income to operating income ratio 17.4% 24.1% 21.2% (6.7)% (3.8)% 20.4% 22.5% (2.1)% Cost to income ratio 46.5% 43.1% 45.3% 3.4% 1.2% 45.0% 44.0

% Profit (Loss) for the period (39,917) 191,233 -121% 13,472 (12,024) -212% Margin -8% 36% 4% -4% Profit (Loss) for the period attributable to Equity holder of the Company (9,428) 101,512 -109% 13,472

this reduces commercial fund transfer fees for commercial banks will depend on the rate of service acceptance and the volume of PromptPay transactions. V2 08/11/60 16:47 น. 3 Overall Picture of the Bank

fees and service income to operating income ratio 21.2% 23.9% 21.3% (2.7)% (0.1)% 22.5% 22.7% (0.2)% Expense to operating income ratio 45.3% 42.6% 42.8% 2.6% 2.4% 44.0% 41.4% 2.6% Return on average

Million % Revenues Sales 16.60 23.14% 16.94 23.05% (0.34) (2.00%) Service and rental income 54.92 76.56% 54.92 74.75% 0.00 0.00% Other income 0.21 0.30% 1.62 2.20% (1.41) (86.85%) Total revenues 71.73

main strategies are namely, invasion of the housing market, expansion of service income, financial liquidity management and adding value to existing assets. As for the performance in Q1/2021, the net

, the Company and its subsidiaries recorded total sales of Baht 1,222 million, a decrease of 6% YoY, occurred from a decline in Domestic Branded sales. This decrease was mainly from the food service

customers. Given the cancellation of service fees and our broader customer base – now surpassing 15 million – the number of digital transactions is expected to grow steadily, thus slashing our cash management