(%) 62.6% 58.7% (3.9%) EBITDA margin (%) 26.4% 31.5% 5.1% Net profit margin (%) 5.9% 6.6% 0.7% Number of branches as at March 31 39 39 0% Change +/(-)Q1/20 Q1/21 Operating highlight in Q1/2021 Revenue

PUBLIC COMPANY LIMITED Disclosure Business News ( 4 record(s) found) Date Time Heading Link 17/08/2020 18:07 Notification of the Resolutions of the Board of Directors Approving Change of Interim Dividend

moderated, while business and consumer sentiment worsened. As in Q2 also in Q3 the main lime consuming sectors of the industry were impacted by the macro economy. However, market feedback has given us

in consumer behavior towards online delivery, After You has made a slight change to the previous branch expansion plan to open 6 new outlets in 2020. The new plan involves continuing with the 2-3

government’s measures. The health and safety of our customers and associates remains our top priority. We rapidly transformed and adapted to the change in consumer behavior by utilizing the Company’s existing

% 2.2% 29.9% 27.2% (2.7%) Net profit margin1 (%) 17.7% 8.1% (9.6%) 19.7% 7.1% (12.6%) Number of branches as at Dec 312 38 39 3% 38 39 3% 2019 2020 Change +/(-) Change +/(-) Q4/19 Q4/20 Operating highlight

household sector increased in all categories, particularly other consumer loans and auto-leasing. Financial institutions expect demand for business and household credit to increase later in the year

, particularly in the retail and wholesale, and tourism sectors. There was slightly higher demand for consumer loans from the previous quarter from credit card loans resulting from sales promotions and new

large corporates continued to expand but by less than expected due to greater competition. Demand for loans from the consumer sector increased from housing and auto-leasing, while credit card and other

operating performance of the HomePro business in Malaysia is still not in line with the plan, with concerns over consumer confidence. However, the subsidiaries have continuously improved operational