as follow: Consolidated Q2/ 2020 Q2/ 2019 Change Financial Statements (Million Baht) (%) (Million Baht) (%) (%) Revenue from Sales 1,011.6 100.0 % 1,302.1 100.0 % (22.3 %) Cost of Sales (734.6) (72.6
: Million Baht) Consolidated financial statements Q2’ 2020 Q2’ 2019 % Change Sales and Service Income 333 511 -35 Other Revenue 8 4 100 Less Cost of Sales and Services 276 412 -33 Selling and Administrative
PromptPay, and the expansion of Electronic Data Capture (EDC) terminals to increase card acceptance by merchants. Technological change and financial innovation have been the main factors contributing to
% 2.2% 29.9% 27.2% (2.7%) Net profit margin1 (%) 17.7% 8.1% (9.6%) 19.7% 7.1% (12.6%) Number of branches as at Dec 312 38 39 3% 38 39 3% 2019 2020 Change +/(-) Change +/(-) Q4/19 Q4/20 Operating highlight
offsetting such discount. In 2Q20, The Company, with full impact from COVID-19, reported total revenue of THB 927m, decreased by 61% YoY. The major drivers of such decline were 51% drop in revenue from sales
decline in farm income both in terms of agricultural prices and production. Private investment also expanded by investment in machinery and equipment in line with the import of capital goods which partly
stable at 2.3% resulting in loan spread for 2019 to decline to 4.7% from 5.0% yoy. For the year ended Consolidated Change Dec 31, 2019 Dec 31, 2018 Baht million % Interest income 18,036 16,294 1,742 10.7
due in part to the decline in export of electrical appliances, washing machines and solar cells from the US tax increase and the effect from high base of last year. Exports of electronic products also
million in 2017 which did not reoccur in 2018. The decline in gain on sales of investment was partially offset by an increase in gain on change in fair value of investment property amounting to Baht 45