50m, 67% increased YoY. Page 6 of 7 Management Discussion and Analysis 2Q2019 Gross Profit 2Q19 Gross profit at THB 985m represented a significant increase of 209% from the same period last year

percentage of revenues represented 35% in the second quarter of 2021 and in the six-months of 2021. - Expected Credit Loss The consolidated expected credit loss in the first half of 2021 amounted to 3,231

any derivatives position, the amount of the initial margin or the maintenance margin for such position by contract shall be indicated; (2) the market price of derivatives contract at the market closing

any derivatives position, the amount of the initial margin or the maintenance margin for such position by contract shall be indicated; (2)3 the market price of derivatives contract at the market closing

any derivatives position, the amount of the initial margin or the maintenance margin for such position by contract shall be indicated; (2)3 the market price of derivatives contract at the market closing

of the dates indicated. Major Debtors1 As of December 31, As of March 31, 2017 2018 2019 2019 20202 Baht (Million) Baht (Million) Baht (Million) Baht (Million) Baht (Million) Debtor 1 3,097.5 3,064.8

Concentration The following table sets forth information regarding our individual debtors with the 10 largest remaining acquisition cost of NPLs as of the dates indicated. Major Debtors1 As of December 31, As of

Component by Brand 3 2. Cost of goods sold and gross profit Gross profits for Y2019 and Y2018 represented 43.44%, and 40.90%, respectively, which increased previous year. Gross profits improved from higher

 are used to buy THB and Sell USD on a rolling 3 or 6 months basis.  Whilst the book value of the offshore companies are represented in foreign currency, the effect of the change in the exchange rate is

represented 42.19% and 41.90% of the total assets, respectively. In this regard, the proportion of this category of assets to the total assets decreased, despite the increase in book values, due to the