5.00 percent per annum Other income - - 2,227 1,622 Contract rate Cost of services - - 213,367 96,997 Contract rate Office rental expenses - - 2,026 - Contract rate Transactions with the intermediate

demand faced contraction in the same direction as private consumption on durable goods and services significantly contracted because people avoided going outside. Other fators include the suspension of a

Baht 30-Sep-19 31-Dec-18 Total Assets 28,635 30,632 Total Liabilities 19,001 20,532 Total Equity (911) 172 Minority 10,545 9,928 Gr ou p HR C Gr ou p Management Discussion and Analysis Quarter 3 Ending

subsidiaries (“the Group”) as follow: Q2-2019 Q1-2020 Q2-2020 6M-2019 6M-2020 Change THB Mn THB Mn THB Mn %QoQ %YoY THB Mn THB Mn %YoY Sales of goods and services 1,145.8 1,115.7 1,139.5 2.1% (0.5%) 2,256.3

the temporary closure of some branches in areas and the higher proportion of take-home products and orders via food delivery services, which have lower margins due to higher packaging costs. In addition

revenue by leveraging its resources across various financial products and services. 31% 34% 36% 36% 50% 47% 45% 44% 5% 5% 5% 5% 14% 14% 14% 17% 2021 2022 2023 9M24 Credit Card Personal Loan Hire Purchase

period of the last year. KEY HIGHLIGHTS • Total revenue increased by 10.3%, mainly from increase in revenue from sale of investment properties and increase in revenue from rental and services together with

for the period of three months ended 31st Dec 2018 increased by 2.7 percent while the decreasing by 0.3 percent in sales & services from the same period of previous year. In addition, the increased cost

%YoY 9M/2019 9M/2018 %YTD Revenues from sales and services 1,205 1,204 0.1% 3,741 3,891 (3.9%) Cost of goods sold and services 992 955 4% 3,131 2,975 5% Gross profit 213 249 (14%) 612 916 (33%) % gross

the increase in sales & services by 14.1 percent from the same period of previous year. For the period of 1st half ended 30th Sept 2017, the Company and its subsidiaries had cost of goods sold of Baht