ANDORRA AD BOLIVIA (PLURINATIONAL STATE OF) BO ANGOLA AO BONAIRE, SINT EUSTATIUS AND SABA BQ ANGUILLA AI BOSNIA AND HERZEGOVINA BA ANTARCTICA AQ BOTSWANA BW ANTIGUA AND BARBUDA AG BOUVET ISLAND BV ARGENTINA
information provided in this MD&A may vary if any factors or situation are changed in the future; the investors are, therefore, required to have their own discretion regarding the usage of this information for
same period in the previous year. Drop in revenues mainly came from closed non-performance branches together with high competitive situation focusing on the pricing competition directly affecting to
cancellations of some of our long-term contracts. To address this issue, we have been relentless in identifying new clients to replace those cancelled contracts; while we foresee the situation in Malaysia to be
sales experienced a major decline especially revenue generated via traditional trade channels. The Company is aware of the situation and its impacts and already overhauled its strategies and marketing
situation. As of November 30, 2018, the Company’s total cards reached 8.43 million cards, increased by 4% from the end of fiscal year 2017 (including 2.59 million credit cards, increased by 4% and 5.84
GSTEL, as a result, GSTEL is able to repay the loan as normal but due to GSTEL’s situation of seeking funds from external source has not yet been successful, GSTEL has enquired to extend the loan tenor to
growth. In 2019, the real estate sector was beginning to face a slowdown as a result of various negative factors, particularly the Bank of Thailand’s Loan to Value (LTV) measure. The situation is worrisome
impact of the COVID-19 in the periods going forward as the situation is still evolving. It is, however, certain that Thailand and worldwide measures against spread of the COVID-19 will have adverse effects
under the situation of the Coronavirus outbreak (COVID-19). 2 Unit: Million Baht The 6-month period for the Year 2020 comparing to 2019 Consolidated Separate Amount Change Amount Change 6M.2020 6M.2019