mainly due to the impact of the Coronavirus 2019 (“COVID-19”) outbreak, the government has strictly controlled the situation by closing the potential risk business including beauty clinic. These

situation will end, the company was also affected in the 1st quarter too. Starting with China as the beginning of outbreak, the government has locked down the country and ordered the cease operation in both

million or -40.62% YoY. The main reason for the decline in user spending was the inflationary situation of the country's economy, causing the consumer purchasing power to decrease, together with the

to monitor the situation closely in order to conduct the appropriate measures. For more details, please see section “COVID-19: Impacts and Response Plan” 1Q 2020 PERFORMANCE 1Q 2020 P&L SNAPSHOT AND

Quarter of 2020, as follows: The Group’s Operation under the Epidemic Situation of Coronavirus 2019 Due to the global epidemic situation of Coronavirus 2019 (‘COVID-19’) and the countermeasures taken by the

such as the closure of some businesses, temporary reduce or change the working hours and the implementation of social distancing. These situation and measures have widely impacted the world economy many

from the covid-19 situation resulting in higher expected credit loss amount during 3Q20 when comparing to the same period last year. For loan portfolio, the Bank continues to focus on asset quality

appliances. Therefore, the Company has allocated resources and services to facilitate and support consumer’s needs and provide products promptly amid the uncertainty and constrained situation. Financially, the

situation. As a result, income from both domestic consumption and foreign tourists increased. • Gross Profit margin in Q1/2023 was 63.6%, increased from 60.6% in Q1/2022, mainly due to increase in the

(Decreased) % Operating profit 993.74 954.83 (38.91) (3.92%) Depreciation 188.28 191.02 2.74 1.45% Amortization 130.47 137.67 7.20 5.52% EBITDA 1,312.49 1,283.52 (28.98) (2.21%) 2. Economic Situation Overall