has been ceased operation since last year as a disposal asset held for sale. Liabilities As of Q2-2020, total liabilities on consolidated basis decreased to THB 1,421.90 million from THB 1,825.67

plunged the global economy into a deep recession. The ASEAN economy, our main market, has been affected more severely due to the prolonged crisis after new waves in Malaysia and the extension of the large

. Crossroads project, the first Maldives integrated leisure and resort destination, has been under development and had no impact on 1Q19 performance. Page 4 of 7 Management Discussion and Analysis 1Q2019 1Q19

to welcome its first guests in September and no revenue from operation has been realized in 2Q19 performance. Page 4 of 7 Management Discussion and Analysis 2Q2019 2Q19 operating performance of

, the total transaction amount was Bt9,943mn, decreasing 5.4% YoY. However, the money transfer service, of which the Company is the banking agent for 4 banks, has been growing consistently with average of

hired on 2017 until 30 September 2019. As at 30 September 2019, the Group has backlog for construction service total of Baht 1,868.31 Million. Since 2018, the Group has been hired construction projects by

from AEON Specialized Bank (Cambodia) PLC of 79 million baht, grew by 23% y-y and AEON Microfinance (Myanmar) Company Limited of 82 million baht, decreasing by 17% y-y. In addition, the Company has been

parallel with the merger of CCPH and KPPH project in Philippines, and, the terms and conditions of the Transaction which has been approved by the shareholders’ meeting approval dated on August 10, 2017 shall

be carried out according to the measures laid down, the situation can be resolved, and the economy could recover. The Company has been monitoring the situation closely and has launched several policies

pursuing debt collection respectively. The Company has been expanding more online service channels to customers and reduced the Company’s operation cost. As a result, the Cardless transactions currently