, decreasing of 128 million baht or 2% q-q and 12% y-y. This is the result of the COVID-19 pandemic situation and economic slowdown has made consumers more cautious on spending, especially in cash loan products

, which affected by the COVID-19 pandemic causing the government to extend the period of the emergency decree further, together with entering the rainy season. Moreover, the demand for biodiesel consumption

pandemic. - Finance Cost The Company recorded consolidated finance cost in the first nine-months of 2021 of 1,327 million baht, decreasing by 18% y-y. For the third quarter of 2021, the finance cost was 425

Page 4/22 Economic Overview and Competition among Commercial Banks In the first quarter of 2020, Thai economy highly contracted from the same period last year as the COVID-19 pandemic has caused

Contract Manufacturing Business (CMG) sales decreased 14% YoY, partly effected from the pandemic. Sales breakdown by business and geography are as follows: Sales Breakdown by Business:  Brand: Baht 692

THB 12,789 million which decreased by THB 505 million or 4% from year ended 2019 due to net loss for this quarter of THB 505 million. 5. Business Outlook The impact of outbreak of Covid 19 Pandemic was

ended 2019 due to net loss. 5. Business Outlook The impact of outbreak of Covid 19 Pandemic was more severely felt in Q2 2020 and the Thai GDP is expected to contract by about 10% for the Full year 2020

from a significant rise of sales in the 2nd quarter of 2020. 2.2. Distribution costs for 3-month and 6-month period ended June 30, 2020 had no significant change due to the ongoing of COVID-19 pandemic

from the backlog had been recognized in Q4/2020. Moreover, the sales campaigns at the beginning of the year are not well-received as usual as a consequence of the COVID-19 pandemic. Regarding the income

-in sales from the pandemic control measures in endemic areas and consumers’ concerns over the situation. However, this was a relatively mild decline due to the company launching promotions to drive