% 986.58 876.62 13% Gross margin 108.76 79.99 36% 417.39 332.84 25% % Gross margin 30% 25% 4% 30% 28% 2% Administrative expenses 40.51 38.10 6% 153.19 137.37 12% Earnings before interest, taxes and

/ Total mandatory reserve 183.0 183.0 186.3 184.4 182.4 182.4 4 Profit and Loss Transaction For the three-month period ended June 30, CONSOLIDATED Change (BAHT'000) 2019 2018 Amount % Interest income

(BAHT'000) 2019 2018 Amount % Interest income 4,342,733 3,974,188 368,545 9.3 Interest expenses 1,426,426 1,223,771 202,655 16.6 Interest income, net 2,916,307 2,750,417 165,890 6.0 Fees and services

in amount of not more than THB 1,500 million, in the form of promissory note with 1 month maturity without collateral guarantee Interest Rate : Not higher than interest rate received from financial

) Easing of the financial conditions – although the policy rate and interest rates have been at a low level but liquidity in the business sector is still at the low level especially for SMEs business. This

crowding-in of private investment. 3) Easing of the financial conditions – although the policy rate and interest rates have been at a low level but liquidity in the business sector is still at the low level

percent increase from last year, due to rising interest income as loan growth accelerated. However, loan impairment charges set aside for credit losses in compliance with IFRS9, which will be effective in

standards. The key changes from the adoption of the above financial reporting standards are in the following areas:  The concept of interest recognition will be changed to recognize at effective interest

-5.04 -25.4% Administrative expenses 25.75 25.02 0.73 2.9% Total expenses 741.40 690.89 50.51 7.3% Earning before interest and tax 75.54 61.16 14.38 23.5% Financial expenses -1.64 -2.72 1.08 -39.7% Share

1.27 8.6% Administrative expenses 28.79 25.75 3.04 11.8% Total expenses 788.14 741.40 46.74 6.3% Earning before interest and tax 71.92 75.54 -3.62 -4.8% Financial expenses -1.33 -1.64 0.31 -18.9% Share