of money and capital markets, and TFRS 9 impacts from reclassification and remeasurement of investments. However, net interest income increased Baht 2,512 million, or 9.82 percent, due to loan growth

coverage to 8 provinces nationwide Growth from sales of the Mikka franchise as expected During the new outbreak of COVID-19 pandemic, the Company focuses on pop-up stores by adding more service points to

olefin businesses serving our EG integration and importantly our diversification in growth businesses of surfactants, green fuels and urethanes is reaffirmed, and has allowed us to diversify our portfolio

take-home products. Executive Summary 2 Overall Operating Results of the Company in Q3/2020 Q3/19 Q3/20 9M/19 9M/20 Change +/(-) (THB million) YoY 9M Operating Revenue 312 198 (37%) 911 561 (38%) Gross

. Since 2017, the property projects i.e. residential condominium and single home have been developed to serve the needs of all target groups. The Company started developing residential condominiums in the

and May. However, takeaway and home delivery services were offered which partly helped minimize the decline in food revenue. Then after the government released its lockdown measurement and majority of

dine-in areas resulting in higher proportion of take-home products and orders via food delivery services, which have lower margins than dine-in products, as well as the sales of raw material to Mikka

. Going forward, the growth strategy of the Company to build through strengthening our sizeable domestic portfolio and opportunistic acquisitions. The Out-of-Home business is in a good position of grow

property development services with the focus on the quality of life of the residents managed with “Vibrant Community” concept and develop a home for lower-middle to upper-middle income earners at the

strong across-the-board growth. The business sector remained challenged by new modes of competition amid the advancing digital age and the rapid pace of technological advancement, together with the