ดอกเบี้ยเงินให้กู้ยืมเพื่อซื้อหลักทรัพย์) ก ำไร (ขำดทุน) จำกกำรวัดมูลค่ำยุติธรรมหักต้นทุนในกำรขำยของสินค้ำคงเหลือ (Gain (loss) on inventory measuring at fair value less costs to sell) หมายถึง ก าไรหรือขาดทุน

amounted to Baht 1,135.5 million or increased by 3.5% from the third quarter of 2019. Interest income was Baht 1,889.6 million, decreased by 12.6% and interest expenses were Baht 754.1 million, decreased by

397.6 426.7 (29.1) (6.8) Other operating incomes 8.2 5.7 2.5 43.9 Operating income 2,032.4 1,776.7 255.7 14.4 Other operating expenses 703.7 731.4 (27.7) (3.8) Expected credit losses 294.6 100.0 194.6

1,847.5 million, decreased by 13.9% and interest expenses were Baht 619.2 million, decreased by 28.5% when compared to the first quarter of 2020. Interest income decreased because its subsidiary which

จงัหวดัชลบุรี 20220 129 Moo 3 Nongchak-Phanasnikom Rd., Nongeiroon, Banbueng, Chonburi, Thailand 20220 Tel. 038-160707 Fax. 033-047348 www.ndrubber.co.th Cost and Expenses YoY % QoQ % YoY % Revenue 973.29

10.07 Cost of services 95.89 92.72 90.41 3.17 3.42 5.48 6.06 188.60 175.20 13.40 7.65 Selling expenses 2.88 3.06 4.97 -0.18 -5.88 -2.09 -42.05 5.94 9.35 -3.41 -36.47 Administrative expenses 10.62 10.43

(Thailand) Co., Ltd. and collection service income of 114 million baht, increasing 9% y-y from ACS Servicing (Thailand) Co., Ltd. The Company has plans to increase fees base in the future. Expenses The

11,132.99 10,307.09 825.90 8.01% Gross profit 3,964.67 3,509.18 455.49 12.98% Selling and administrative expenses 3,448.36 3,168.64 279.72 8.83% Profit before finance cost and income tax expenses 1,575.04

293.41 262.15 31.26 11.92 Cost of services 100.54 95.89 95.80 4.65 4.85 4.74 4.95 289.14 271.00 18.14 6.69 Selling expenses 7.43 2.88 9.13 4.55 157.99 -1.70 -18.62 13.38 18.48 -5.10 -27.60 Administrative

gross profit margin slightly increased from 15.3% to 15.9%. The gross profit margin was increased from the decreased in depreciation of the fully depreciated assets. Selling Expenses, Administrative