E T P R O F I T a n d N E T P R O F I T M A R G I N : Financial Performance Management Discussion & Analysis Q4/2023 Executive Summary Significant Event Focus on Expanding Luggaw and Mikka Cafe In Q4

forecasted to increase 9.5 percent annually. The government has a policy to connect all villages to the national grid by 2020 and import more energy from neighboring countries to fulfil its growing demand

required commercial banks in Thailand to rethink their business models to cope with challenges by focusing on expanding their customer base, improving efficiencies, reducing the cost of services, and

customers increase and expanding a financial product line. In addition, in the third quarter of 2019, the Company recorded the other incomes from gain on sales of written-off receivables at the amount of 248

reliance on sales in China. At present, the Company’s products are well- received in the Philippines but still could not make up for the slowdown in sales in China. The Company is committed to expanding

addition, the Company has expanding more cashing service channels providing more convenience to customers and this also saved the Company’s operation cost. AEON members can utilize the revolving loans

related businesses such as manufacturing and distributing of furniture, bedding, etc. These knowledge and experiences can be adopted to Planet’s business, thus, expanding the Planet’s customer base and

grow. Expanding business toward secure debt acquisition to manage. And set up collection business in CLMV region. Management and Discussion Analysis FS2017 Page 7/7 Jaymart Public Company Limited 3

Microfinance (Myanmar) Company Limited of 123 million baht, which grew by 41% y-y and AEON Specialized Bank (Cambodia) PLC of 84 million baht, grew by 52% y-y. In addition, the Company has been expanding more

refrain from expanding, to suspend, or to rectify its business operation pursuant to section 141, section 142 or section 143 of the Securities and Exchange Act B.E. 2535 (1992); (6) the management company