due to the reasoned stated above. Other incomes including interests and net foreign exchange gain has decreased by Baht 2 million to Baht 3 million. This is largely due to interest income that have

deposits at banks pledged as collateral for the payment of raw material and to decrease interest of loans together with declining on fair value on trade securities thus fluctuation on capital market

% Other income 0.93 1.69 81.72% Earnings before interest and taxes 71.45 49.12 -31.25% Finance costs (0.50) (0.56) 12.00% Profit before income tax expense 70.95 48.56 -31.56% Income tax expense (3.28) (1.25

in the first half of 2020 totaled 9.77 million Baht which slightly decreased by 0.52 million Baht or 5.02% from the same period of the last year. This was mainly due to an activation of interest

and total shareholders' equity of THB 18,961 million. Debt to Equity Ratio (D/E) and Interest Bearing Debt to Equity Ratio represented at 1.63 and 1.44, respectively. Yours faithfully, Mr.Chamroon

year and accounted for 11% of total revenues. The average funding cost in the second quarter of 2019 was at 2.99% decreased from 3.32% last year, 4 due to reducing trend of market interest rate and

% Profit before finance cost and income tax expenses 178.46 21.5% 176.32 21.9% 171.66 22.0% -2.6% -3.8% Bank charge (3.76) -0.5% (2.36) -0.3% (2.21) -0.3% -6.4% -41.2% Interest expenses (11.13) -1.3% (8.78

the increase of Collection business volume. 2. Other income increased 1,709,254 baht compared to the same period of the last year mainly from the increase of interest received from short-term investment

by the COVID-19 and politics in Myanmar as well as the Bank of Thailand cut the ceiling rates of interest rates on credit card from 18% to 16% per annum and personal loan from 28% to 25% per annum

| - |- Compliance / Internal control | - |- Conflict of interest | - |- Complaint Handling | - |- Information Technology | - |- Business Continuity Management (BCM) | - |- Port Investment of Derivatives Agents