IFRS9 called as allowance for expected credit loss on receivables amount Baht 64.64 million. For The six month periods ended June 30, 2020 the results of operation for the six month periods of year 2020

31.84 Finance costs 7.46 0.38 7.46 0.38 Expected credit losses (reversal) 8.19 8.19 8.19 8.19 Other expenses 115.56 11.50 126.35 11.66 Total expenses 415.63 73.80 409.91 66.88 Profit (loss) before income

service income of 121 million baht, decreasing 9% y-y from ACS Servicing (Thailand) Co., Ltd. Expenses The Company’s expenses mainly consist of operating and administrative expenses, expected credit loss

% 10% 2% Total Revenues 5,656 5,005 5,041 1% -11% Operating and administrative expenses Expected credit loss Finance costs Other expenses 2,083 2,392 558 15 2,160 883 469 2 1,921 1,226 453 2 -11% 39% -3

% 11,040 10,386 -6% Operating and administrative expenses Expected credit loss Finance costs Other expenses 2,003 1,590 554 21 1,921 1,226 453 2 1,974 2,005 448 6 3% 64% -1% 200% -1% 26% -19% -71% 4,086

% -22% 11% Total Revenues 5,820 12% 15,597 16,780 8% 14,872 15,945 7% Operating and administrative expenses Expected credit loss Finance costs Other expenses 2,039 1,884 475 0 5% 6% 12% 0% 5,846 5,011

declined the second quarter in consecutive reflecting the economic slowdown in the trading partner countries. Although, Thailand’s economic outlook in 2023 is expected to expand between 2.7-3.7% mainly due

the bond market in 2019, which was approved by the boards of directors of both SEC and SET. The revised regulations are expected to be enforced in the first quarter of 2020, including (1) limiting the

first assessment, all listed companies are expected to achieve Level 1, signifying intent to comply with laws and regulations with ability to communicate with all stakeholders.Vorapol Socatiyanurak, SEC

and Accountancy, Chulalongkorn University, presented at the first forum of this year that investors stressed on information disclosure and expected disclosure quality which has been emphasized by the