 LTM 3Q18 Revenue $10.1 billion, +24% YoY, Core EBITDA margin 13.7%  Core EBITDA of $409m in 3Q18, +40% YoY; $1,379m LTM 3Q18 (45% YoY)  LTM 3Q18 Core EPS THB 4.49, +65% post 11.1% dilution from

1,081 15% 3% 1,973 2,023 3% Adjusted Net Income 1,053 942 1,441 53% 37% 1,973 2,383 21% Gross profit margin (%) 28% 27% 30% 3% 2% 28% 29% 1% Net profit margin (%) 16% 10% 5% (5%) (11%) 16% 7% (9

such as economy and drought under the relief measures of the Bank of Thailand. However, the bank has been supporting its customers. In the first quarter of 2021, net interest margin (NIM) decreased from

% ค่าใช้จ่ายในการขายและบรหิาร 52.09 52.64 -0.55 -1% EBITDA 60.29 53.75 6.55 12% EBITDA margin 20% 21% ค่าเสือ่มราคาและค่าตัดจ าหน่าย 29.44 26.56 2.89 11% ก าไรก่อนค่าใช้จ่ายทางการเงนิและค่าใช้จ่ายภาษีเงนิ

52.19 1.56 3% EBITDA margin 21% 19% ค5าใช'จ5ายทางการเงิน -2.27 -0.53 1.74 329% ค5าใช'จ5ายภาษีเงินได' -3.90 -3.81 0.09 2% กําไรสําหรับงวด 21.02 25.01 -3.99 -16% Earnings per share (บาท) 0.07 0.08 -0.01 -16

systems as higher, when compare with income from the same period of last year. As a result, the Group has gross margin as lower while sale and service income as increased. 3.3 Selling expenses Selling

ข้ันต้น 29% 28% ค่าใช้จ่ายในการขายและบริหาร 58.00 52.09 5.91 11% EBITDA 57.50 60.28 -2.78 -5% EBITDA margin 19% 20% ค่าเส่ือมราคาและค่าตัดจ าหน่าย 28.53 29.44 -0.91 -3% ก าไรก่อนค่าใช้จ่ายทางการเงินและ

% from the same period last year. Due to the closure of IT Junction branches in branches where the performance did not meet the target and the rental reduction policy for client in property rental business

administrative expense was mainly from personal expense, transportation expense, and decelerated of marketing activities as well as a decrease in rental and property expenses. For the 3rd quarter of 2020, the

% Adjusted Net Income 942 1,529 1,948 27% 107% Gross profit margin (%) 27% 25% 29% 4% 2% Net profit margin (%) 10% 6% 9% 3% (1%) Adjusted Net Income Margin (%) 10% 8% 11% 3% 0% Executive Summary PAGE 2