declined from 63.48% to 58.46% mainly because the Company had adjusted the premium rate and condition of some non-motor policies. The overall loss ratio therefore was in decline. 2. Net investment revenue

% 4.6% -1.4% 3.9% 6.0% -2.1% Stock Gain/(Loss) & NRV -149 -425 -65% -233 -36% -382 -458 -17% Adjusted EBITDA(1) 286 653 -56% 444 -36% 730 998 -27% Adjusted EBITDA Margin (%) 6.8% 13.5% -6.7% 9.6% -2.8

discount since the demand and supply of biodiesel close to equilibrium. With deducting the effect of Stock Gain & NRV of THB 92 million, the Company had Adjusted EBITDA of THB 253 million, an increase of 18

Adjusted: ทางออกที่เป็นไปได้ เพ่ือแก้ไขปัญหาที่เกิดจากหุ้นที่มี Free Float ต่ำ ตลาดหลกัทรัพย์จึงได้เปิดตัวดัชนี SET50FF (SET50 Free Float Adjusted Market Capitalization Weighted Index) และดัชนี SET100FF

Thai ESG funds, encouraging the adoption of Free Float Adjusted Index, and preparing measures to address the issue of mule accounts related to the capital market and investor scams. Additionally, the

cooperation to the auditor, submit to the SEC the adjusted financial statements which have been reviewed by its auditor without comment on limited scope of review and disclose them to the public within December

ประธานกรรมการ สภาธุรกิจตลาดทุนไทย เพื่อหารือนโยบายและแนวทางในการขับเคลื่อนตลาดทุนไทยร่วมกัน ได้แก่ การส่งเสริมการลงทุนในกองทุนรวมไทยเพื่อความยั่งยืน (Thai ESG), การส่งเสริมการนำ Free Float Adjusted Index

expressed observation remarks in which the SEC considered as material to the financial statements, for example, - On-going concern problems - Significant amount of connected transactions - Adjusted items

still lots of work to be finalized since several systems developed by other vendors need to be adjusted. However, all related parties will make their best efforts to meet the starting date of April 1

% Adjusted EBITDA(1) 217 444 -51% 310 -30% Adjusted EBITDA Margin (%) 7.7% 9.6% -1.9% 8.5% -0.8% Net Profit 22 64 -66% 171 -87% Extra item - - n.a. 272(2) n.a. Net Profit 22 64 -66% 443 -95% EPS (Baht/share