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

in the past. As a result of this economic situation, the Company's revenue from sales and services increased by Baht 31.61 million from the same quarter of last year. The forecast of the minimum wage

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

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

( COVID-19) situation has improved domestically, following a significant reduction in the number of local infections. However, the continued high rate of overseas infections, combined with Government fears

COVID-19 epidemic situation, the performance of Trading business felt 66.10% YoY, mostly from sales of the catalyst for aromatics production is over Baht 800 million, which is Big Lot sales based on