interest margin rate. The public prosecutor issued a final non-prosecution order. The case was deemed final. SEC Act S.281/2 paragraph 1 in conjunction with 89/7 or 281/2 paragraph 2 in conjunction with

margin rate. The public prosecutor issued a final non-prosecution order. The case was deemed final. SEC Act S.281/2 paragraph 1 in conjunction with 89/7 or 281/2 paragraph 2 in conjunction with 89/7 and

while the Company considers it is within the appropriate range to appreciate leverage and maintaining acceptable credit rating. Return on Equity (ROE) and Return on Asset (ROA) for the fiscal year of 2020

while the Company considers it is within the appropriate range to appreciate leverage and maintaining acceptable credit rating. Return on Equity (ROE) and Return on Asset (ROA) for the fiscal year of 2020

times at the end of 2020 while the Company considers it is within the appropriate range to appreciate leverage and maintaining acceptable credit rating. Return on Equity (ROE) and Return on Asset (ROA

2019, credit demand from the business sector improved from the previous quarter, due to demand for loans from large corporates, and small and medium sized businesses. Demand for home loans from the

depreciation and amortization Key financial ratios Unit Q2/16 Q1/17 Q2/17 Profitability ratios Gross profit margin* % 22.53 20.47 22.99 Net profit margin % 13.06 13.68 15.28 Leverage ratios Interest coverage

%) 72% 2,700 3,175 18% Gross profit margin* (%) 24% 28% 27% (1%) 3% 22% 24% 2% Net profit margin (%) 10% 20% 16% (4%) 6% 14% 16% 2% Q4/2017 and 2017 Financial and Operating Highlights * Exclude costs of

] FX: THB/USD 32.0754 33.7691 35.018 Sales Revenue 13,982.5 14,195.4 -1.5% 13,797.5 +2.9% [ Sales Revenue, USD $435.9 $420.4 +3.7% $394.0 +6.7% ] Cost of Sales 10,351.4 9,933.1 8,985.0 Gross margin

, the Group has 130,053 top-up kiosks across Thailand. Gross Profit and Gross Profit Margin 2018 2017 Increase (decrease) Million Baht % Million Baht % Million Baht % EMS business 362 22% 429 19% (67) (16