24, 2020 until the situation is well. Moreover, in order to reduce the effect on the shareholders from the postponement of the 2020 Annual General Meeting, the Board of Directors Meeting on April 9

liquidity risk of operating cash flow under the COVID 19 situation. In addition, the Company has received soft loan facility of 5,000 million THB from Government Saving Bank in Thailand and 68 billion MMK

with business partners. However, in regards to the current economic situation which is in an improved trend but the risks to asset quality remained in concerns. The Company therefore remains cautious in

the entire IT industry. Management Discussion & Analysis Q3/2023 3 I 10 Commercial sales increased by THB 120.95 million. The increase is attributed to the improving pandemic situation. As the COVID-19

, in regards to the current economic situation which is in an improved trend but the risks to asset quality remained in concerns. The Company therefore remains cautious in expanding high-risk loans. As

construction. The interest rate is closed to Financial Institution’s interest rate average,the period and condition to withdraw the loan better than the Financial Institution and without of collateral. 5 10

of rice 374 253 121 47.9% Food Centre 84.6 92.9 (8.3) -8.89% Less intercompany balance (167) (119) (48) 40.3% Revenue from sales 458.8 345.8 113 32.7% ⚫ As a results of downturn in economics condition

existing agreement. The agreement has upon contract extension for the duration with the identical term and condition. The 1 year agreement will be automatically extended unless the objection from either side

in brokerage fee, fee and service income and other revenue on lower market trading volume and fluctuated market condition, Krungthai ZMICO was able to strategically control cost and improve operational

Loan : 150,000,000 Baht Interest Rate : 6 % per annum Term of Loan : 12 months Payment of Interest : Once a quarter Payment of Principal: End of the working capital loan. 2 Term Loan Condition: Mortgage