1. SRISAWAD CORPORATION PLC.
Thailand's Financial Convenience Store
COMPANY PRESENTATION

2. CONTENTS COMPANY PROFILE 1 2 FINANCIAL HIGHLIGHTS 3 OPERATIONAL GOALS4
INVESTMENT HIGHLIGHTS 5
CORPORATE SOCIAL RESPONSIBILITY

3.
The Kaewbootta family founded the company to provide vehicle title loans. The business had been expanded to include larger service coverage in Thailand.
Sold the existing business to another operator in the industry and established the new company “Srisawad Power 1979”
with the registered
capital of 1 million
baht.
2013
The company was privatized to a public company with registered capital 1,000 million baht.
Engaging in the debt
collection and launched
the auto-backed and home-backed loan business under the service slogan
“Mee Baan Mee Rod
Ngern Sod ThanJai”
2016
As of 31 December 2016, SAWAD Group’s total receivable portfolios amounting to 21,050 million baht, with largest service networks covering all regions nationwide.
COMPANY HISTORY
SAWAD Group provides secured loans, collateralized by all kinds of vehicles, including personal cars, pick-up trucks, motorcycles, six-wheel / ten-wheel vehicles and vehicles used for agricultural purposes as well as other collaterals including houses, condominiums and land.

4. TYPE OF SERVICES TYPE OF SERVICES AUTO BACKED LOANS HOUSE & LAND
PERSONAL LOAN &
NANO FINANCE
PAYMENT PERIOD
6-48 Months
12-24 Months
24-36 Months
LOAN APPROVAL RATE
30-70% of
market price
30-50% of
assessed value
2.5 times of
monthly income
(Not over 50,000 baht)
TYPE OF CONTRACTS
Hire Purchase
(Title-transfer or
No Title-transfer)
Loan
(Mortgage or Sale with
right of redemption)
Loan
(Unsecured)
SECURED LOAN
UNSECURED LOAN
Use vehicle title and land title as collateral.
The company offers loan service to low income individuals that have no access to financial services from commercial bank but have ownership in vehicle or land.
Personal Loan: The company offers personal loan only to existing customers who have good payment record.
Nano Finance: Credit line is limited at 100,000 baht.

5. ORGANIZATION STRUCTURE
SRISAWAD CORPORATION (HOLDING COMPANY)
SAWAD
36.35%
100%
90%
90%
100%
SRISAWAD
POWER 2014
CO.,LTD.
SAWAD 2014
SRISAWAD*
FINANCE
PLC.
BFIT
SRISAWAD
INTERNATIONAL
HOLDING CO.,LTD. SI
SWP ASSET
MANAGEMENT
CO., LTD.
AMC
FAST MONEY
CO.,LTD. FM
Public Borrowing, Lending, Term Deposit
Debt Collection,
Banking Agent,
Branch Network,
Hire Purchase
Holding Company
Distressed Asset Management
New Motorcycle, Personal Loan and Nano Finance
100%
100%
100%
SRISAWAD
VIETNAM LLC.
SVN
SWP SERVICES
CO.,LTD.
SWPS
SRISAWAD
LEASING LAOS
Collateral Backed Loan
Advisory Services
Collateral Backed Loan

6. BRANCH NETWORK
Philippines
Indonesia
Myanmar
Malaysia
Singapore
Cambodia
Vietnam
Brunei
The company coverage network include a total of 2,532 branches at the end of March Hence, the company can manage to utilize its capacity for lending, handling repayment transactions, pursuing collection practices and verifying information of customers/guarantors in prompt and effective manners.

7. MARKET OVERVIEW 18-20 MILLION LOW INCOME POPULATION
who do not have the means to access traditional loans of banking institutions.
NO. OF CONTRACT
Motorcycles and cars are the most common types of loan collateral.
36.9 MILLION
REGISTERED VEHICLES
Passenger Cars M
Motorcycles M
Trucks M
Tractors M
(as of Feb 29, 2016)
SAWAD Group serves as an alternative to access loans, in place of black market lenders.
Borrows have quick access to loans by using common assets as collateral such as motorcycles, cars (including pick-up trucks), houses and land properties.

8. BUSINESS STRATEGIES SAWAD’S STRATEGIES 1. VARIETIES OF SERVICE
The company offers varieties of financing services including deposits and various loan products.
such as car, motorcycle, house and land, etc.
6. FOCUS ON CLOSE RELATIONS
WITH COMMUNITIES
The company focuses on
marketing activities aimed at tightening relationship with people in the communities.
2. COMPETITIVE COVERAGE
The company focuses on expansion at locations near communities with easy access to commercial banks.
SAWAD’S STRATEGIES
5. USING TECHNOLOGY
Use technology to improve efficiency and maximize business productivity.
3. TRANSPARENT AND HONEST
The company focuses on loyal relationship to our customers.
4. EXPANDING INTO A NEW MARKET
To expand business in other countries in ASEAN region.

9. COMPANY PROFILE 1 2
FINANCIAL HIGHLIGHTS 3
OPERATIONAL GOALS 4
INVESTMENT HIGHLIGHTS 5
CORPORATE SOCIAL RESPONSIBILITY

10. FINANCIAL HIGHLIGHTS BALANCE SHEET 2014 2015 2016 2017 Q1 2018
UNIT: MILLION BAHT
BALANCE SHEET
2014
2015
2016
2017
Q1 2018
Cash and Cash Equivalent
348
333
713
4,165
2,855
Loans Due Within 1 Year
5,320
8,341
12,844
17,199
18,093
Loans Due Beyond 1 Year
2,223
2,872
4,236
4,411
4,242
Investment in Receivables
1,265
2,309
2,738
2,521
Other Assets
701
829
2,134
4,864
5,238
Total Assets
8,592
13,640
22,236
33,377
32,949
Deposit -
6,073
5,928
Loan From Financial Institutions
3,964
3,487
8,564
6,419
5,743
Debenture
500
4,400
5,540
8,565
8,217
Other Liabilities
396
581
875
1,145
1,250
Total Liabilities
5,160
8,868
15,379
22,202
21,138
Paid-In Capital
1,000
1,020
1,046
1,087
Premium
1,422
1,425
Accumulated Net Income
974
2,288
4,338
6,879
7,442
Other Reserves 36
Other Controlling Interests 6 15
1,748
1,821
Shareholder’s Equity
3,432
4,772
6,857
11,175
11,811
Debt to Equity Ratio
1.5x
1.8x
2.2x
1.9x
1.7x

11. PROFIT AND EXPENSES PER INCOME
FINANCIAL HIGHLIGHTS
(Consolidated financial statement of SAWAD Group)
UNIT: MILLION BAHT
PROFIT & LOSS STATEMENT
2014
2015
2016
2017
Q1 2018
Income From Interest & Fee
Total
1,954
2,817
4,009
4,944
1,244
Other Income
735
960
1,327
2,055
500
Total Income
2,689
3,777
5,336
6,999
1,744
Operational Expenses
(1,409)
(1,846)
(2,456)
(3,060)
(790)
Profit Before Interest & Taxes
1,280
1,931
2,880
3,939
953
Cost of Funds
(218)
(281)
(369)
(608)
(166)
Tax Expenses
(207)
(314)
(502)
(615)
(147)
Net Profit
855
1,336
2,009
2,715
640
Portfolio BREAKDOWN
PROFIT AND EXPENSES PER INCOME

12. QUATOR TO QUATER COMPARISON
FINANCIAL HIGHLIGHTS
(Consolidated financial statement of SAWAD Group)
NET PROFIT
QUATOR TO QUATER COMPARISON
RETURN ON EQUITY - ROE
RETURN ON ASSET - ROA
UNIT: MILLION BAHT

13. TOTAL INCOME AND TOTAL EXPENSES COMPARISON
FINANCIAL HIGHLIGHTS
(Consolidated financial statement of SAWAD Group)
TOTAL INCOME AND TOTAL EXPENSES COMPARISON
UNIT: MILLION BAHT
COST TO INCOME RATIO

14. FINANCIAL HIGHLIGHTS
(Consolidated financial statement of SAWAD Group)
PROPORTION OF LOAN RECEIVABLE AGING
NPL AND PROVISION FOR BAD DEBT
Current or Past due
less than 1 month
73%
Past due
1-3 months
20%
3-6 months 6%
6-12 months
0.5%
> 12 months
“More than 70% of the loans are in the current category.”

15. COMPANY PROFILE 1 2
FINANCIAL HIGHLIGHTS 3
OPERATIONAL GOALS 4
INVESTMENT HIGHLIGHTS 5
CORPORATE SOCIAL RESPONSIBILITY

16. INVESTMENT HIGHLIGHTS
ON TRACK TO HAVING THE LARGEST NETWORK…
HIGH AND CONTINUOUS
GROWTH
High and continuous growth in the business; with large population still without means to access the traditional banking system.
HIGH PROFITABILITY
AND REVENUE
High interest and fees income sufficiently matching the risks and expenses.
EFFECTIVE RISK MANAGEMENT
Effective risk management process; in credit assessment and debt collection, utilizing our vast database.
STRICT LOAN APPROVAL POLICY
Verification of collateral/guarantor and loan to value range of 30-70%.
LARGEST BRANCH
NETWORK
More than 2,532 branches covering all regions; managed with tight system of internal controls.
EXPERIENCED
MANAGEMENT TEAM
Team of senior management with more than 30 years of experience in the business.

17. COMPANY PROFILE 1 2
FINANCIAL HIGHLIGHTS 3
OPERATIONAL GOALS 4
INVESTMENT HIGHLIGHTS 5
CORPORATE SOCIAL RESPONSIBILITY

18. CORPORATE SOCIAL RESPONSIBILITY
SRISAWAD FOUNDATION
AIMS AND OBJECTIVES
To support children and develop those in need to become self-dependent members of society.
To support and develop the handicapped to have better quality of life to become self-independent.
To support activities related to social development and stability of humanity.
To support both government and private sectors to collaborate with charitable organizations.

19. QUESTIONS
ANSWERS
&