% Staff cost, repair and maintenance cost and other services 135.6 153.4 152.1 (0.8%) 12.2% 420.0 439.8 4.7% Processing fee - PEA 16.1 16.2 15.4 (4.9%) (4.3%) 47.5 47.6 0.2% Other cost 22.2 23.9 26.9 12.6

began to improve, especially in the end 2022, resulting in more employees are working at the office. In addition, sales staff made more appointments to meet customers and began to organize more on- site

165.8 169.1 169.3 171.4 2.1 1.2% 624.1 675.6 51.5 8.3% Staff cost, repair and maintenance cost and other services 134.3 153.4 152.1 157.2 5.1 3.4% 540.9 597.0 56.1 10.4% Processing fee - PEA 16.0 16.2

%) (21.2%) 2,606.5 2,491.1 (4.4%) Depreciation and amortisation cost 169.3 177.9 180.0 1.2% 6.3% 504.2 531.4 5.4% Staff cost, repair and maintenance cost and other services 152.1 162.1 145.2 (10.4%) (4.5

and amortisation cost 173.4 177.9 180.0 176.7 (3.3) (1.8%) 675.6 708.0 32.4 4.8% Staff cost, repair and maintenance cost and other services 142.9 162.1 145.2 161.1 15.9 11.0% 597.0 611.3 14.3 2.4

Conflict of Interest shall be in accordance with Chapter 3; (4) Supervision of Investment for Employees’ Assets shall be in accordance with Chapter 4. Chapter 1 Excessive Transactions for Clients

be in accordance with Chapter 3; (4) Supervision of Investment for Employees’ Assets shall be in accordance with Chapter 4. Chapter 1 Excessive Transactions for Clients _______________ Clause 5 2 In

Total Income 2. Expenses 2.1 Expenses on Borrowing 2.2 Fee and Service Expenses 2.3 Bad debt and doubtful accounts 2.4 Shares of loss of subsidiaries and affiliated 2.5 Operating expenses 2.5.1 Personnel

expenses consist of 2.5.1 Personnel expenses means remuneration paid to the staff member and employee, namely salary, wages, overtime wage, bonus, pension, living allowance, welfare, company contribution

of proportion and share holding in such company. 2.5 Operating expenses consist of 2.5.1 Personnel expenses means remuneration paid to the staff member and employee, namely salary, wages, overtime wage