at full capacity with two shifts in most of plants locally and globally. Looking ahead and based on the forecasts from OEMs, 2021 is expected to be a better year than 2020. Yours sincerely, Mr. Yeap

who signed a 10-year rental contract. Nevertheless, we are looking forward to the Unicorn (a mixed-used building that has 22,499 sqm office space) opening in 2022, our additional revenue source for

quarter of 2020 with probable forward looking risk factors due to COVID-19 situation. For the 3rd quarter of 2020, the Company had consolidated operating income of 1,333 million baht, an increase of 49

temporarily closed in August to relocate to a new location. The Company is also looking for additional opportunities to grow overseas beyond Hong Kong and plans to open a franchise of After You dessert café in

. Executive Summary 2. AMC Industry Outlook and Overview 3. Regulatory Considerations 4. Management Discussion and Analysis 5. Key Financial Ratios 6. Forward looking IMPORTANT DISCLIAMER The information

Operating Results 3.2. Cash Collection from NPLs and NPAs Management Businesses 3.3. NPLs by Portfolio Concentration 3.4. NPAs Concentration by Region by Type 4. Key Financial Ratios 5. Forward Looking

Concentration by Region by Type 4. Key Financial Ratios 5. Forward Looking Statements 5.1. BAM’s Business Opportunity 5.2. COVID-19 Impact IMPORTANT DISCLAIMER The information contained in this document has been

Contractual Obligations and Off-Balance Sheet Arrangements Please see Note to Financial Statements for the year ended 31 December 2018 Item 24 Commitment and contingent liabilities. 6 Forward looking The

herein. Further, nothing in this document should be construed as constituting legal, business, tax or financial advice. This material contains “forward-looking” statements that relate to future events

correctness of the information contained herein. Further, nothing in this document should be construed as constituting legal, business, tax or financial advice. This material contains “forward-looking