, comprised decrease of interest rates of loans from bank since the fourth quarter of 2019. Additionally, bank also cut MLR rate in the first and the second quarters of 2020. Tax income (expense) Q2-2019 Q1

% 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

the amount of THB 520.44 million, share of other comprehensive income expense of associates and joint ventures decreased equity in the amount of THB 572.28 million, and the cash flow hedge reserve

24.1% 18.7% 23.9% 5.4% 0.2% Expense to operating income ratio 43.1% 36.6% 42.6% 6.5% 0.5% Return on average assets /1 0.93% 0.99% 1.17% (0.06)% (0.24)% Return on average equity /1 7.32% 7.40% 8.74% (0.08

. However, EBITDA declined by 5.8% yoy to THB 135 million due to higher administrative expenses and higher share of net losses from investments by the equity method. The Company reported net loss of THB 55

growth stemming from the increase in consumer confidence from the improvement in both farm income and non-farm income. In the equity market, the average daily turnover (SET and mai) declined by 20.7% from

continuously repaid the loan cause this expense reduced. 6. Share of profit (loss) from investment in associated company In Q1/2018, Share of profit (loss) from investment in associated company was Baht 12.72

statements Financial Statement, in which the equity method is applied Separate Financial Statement Changes (separate financial statement) (Unit: Million Baht) 31-Dec-18 31-Dec-17 31-Dec-18 31-Dec-17 (Million

and listed securities. While in 2018 the Company recorded a significant amount of unrealized loss from mark-to-market price of investment in listed equity securities, coupled with the loss on sale of

(7.83) (45.50) Income tax 0.34 0.15 0.33 0.14 0.19 135.71 Profit for the year 12.72 19.04 9.71 17.35 (7.64) (44.03) Profit attributable to: Equity holders of the parent 12.66 Non-controlling interests