1.93 (19.30) -90.91% Other comprehensive income - - - N/A Total comprehensive income for the period 21.23 1.93 (19.30) -90.91% Gross profit margin 30.31% 21.26% Net profit margin 19.22% 2.98% Performance

comprehensive income - - - N/A Total comprehensive income for the period 1.93 6.45 4.52 234.22% Gross profit margin 21.26% 28.40% Net profit margin 2.98% 8.16% Performance (Statement of comprehensive income

comprehensive risk management principles and policies, a risk-aware culture Bank-wide, as well as good corporate governance. All of the above endeavors and satisfactory operating performance, together with sound

Management Business.” 4.1 Net profit and Total Comprehensive Income for Q4/2019 and year ended December, 31 2019 Consolidated Unit: Baht million 2019 2018 Change (% yoy) Q4-19 Change (%qoq) Change (% yoy

%) Total Comprehensive Income 21.07 7.24 13.83 190.99% 81.20 74.15 7.05 9.50% The operating results of the separated financial statement for second quarter period ended June 30, 2019, resulted in increase in

% Total Comprehensive Income 36.65 13.29 23.36 175.71% 143.05 72.06 70.99 98.52% The operating results of the consolidated financial statement for the third quarter period ended September 30, 2018, resulted

) (89.82%) (20.90) (28.14) (7.24) (25.72%) Total Comprehensive Income 2.58 29.53 (26.95) (91.26%) 83.78 103.68 (19.90) (19.20%) The operating results of the separated financial statement for third quarter

period 16.69 23.21 6.52 39.06% 48.17 74.27 26.10 54.18% Other comprehensive income - - - N/A - - - N/A Total comprehensive income for the period 16.69 23.21 6.52 39.06% 48.17 74.27 26.10 54.18% Gross

comprehensive income - - - N/A - - - N/A Total comprehensive income for the period (0.83) 8.15 8.98 -1078.65% 1.10 14.59 13.50 1231.12% Gross profit margin 20.26% 28.91% 20.77% 28.65% Net profit margin -1.34

% Other comprehensive income - - - N/A - - - N/A Total comprehensive income for the period 9.95 10.95 1.00 10.02% 11.05 25.54 14.49 131.20% Gross profit margin 26.22% 31.51% 23.06% 29.60% Net profit margin