channels to customers and reduced the Company’s operation cost. As a result, the Cardless transactions currently accounted for 38% of total personal loan sales. Total Sales 36,810 MB 50% 30% 5% 15% Loans

) 2.20 1.57 1.43 • Fresh Vegetables and Fruits (AF) 17.30 1.61 0.66 Total 165.09 147.80 141.50 sales Internationalomestic and DTotal 2,329.81 2,114.86 2,959.49 Cost of Goods Sold The company has Cost of

purposes. The date of appraisal reports for the Target Group Hotels and Resorts is 7 February 2018. The appraiser applied the income and cost approaches to estimate the fair market value of Target Group

totaled Baht 34,338 million, a decrease of Baht 5,836 million, or 14.53 percent. Meanwhile, KBank maintained net interest margin (NIM) at 3.44 percent, which was within the set target, and cost-to-income

generation through new shopping malls, enhancement of existing malls, as well as efficient cost management. CPN currently manages 33 shopping malls with the net leasable area (NLA) of approximately 1.7 mn sqm

in 8 countries. Management Discussion and Analysis (MD&A) for the second quarter ended 30 June 2020 4 | P a g e Summary of Operating Results 1/ Figures after reclassification. Cost of rental and

gain (loss) 6.67 7.63 (12.65) Other income 3.80 11.42 (66.77) Total revenues 2,031.10 2,166.69 (6.26) Cost of goods sold 1,385.47 1,398.20 (0.91) Temporary shutdown expenses 75.92 159.15 (52.29

year are as follows: (million baht) Quarter 3 rd /2019 Quarter 3 rd /2018 Rental and services income 1,250.43 864.31 Cost 850.85 682.20 Gross profit 399.58 182.11 Gross profit margin 31.96% 21.07% 5. In

684.6 482.3 41.9% 1,817.4 1,331.40 36.5% Cost of services 233.7 173.0 35.1% 660.2 480.5 37.4% Insurance expenses 76.6 25.5 200.5% 168.8 47.7 253.9% Gross Profit 374.2 283.9 31.8% 988.4 803.2 23.1

% 100.00% 100.00% Cost of sales (119.80 ) (95.57 ) (24.23 ) 25.35% (74.98%) (68.02%) Gross Profit 39.98 44.94 (4.96 ) (11.04%) 25.02% 31.98% Other income 6.56 6.76 (0.20 ) (2.96%) 4.11% 4.81% Revenues from