in distribution of product and equipment, design, assembly and installation and maintenance service of pure water treatment system; as well as dialysis service of clinic business for kidney patients

. Nature of operations of the Group The Group has principally engage in distribution of product and equipment, design, assembly and installation, and maintenance service of pure water treatment system

distribution of product and equipment, design, assembly and installation, and maintenance service of pure water treatment system; including operate clinical business which dialysis services for kidney patients

% driven by higher sales of the energy drinks especially for export markets and greater sales growth from distribution of 3rd party’s products. Note: 1/ Energy Drinks, Sport Drinks, and Functional Drinks 2

19.9 25.5 15.9 -20.2% -37.8% Selling and distribution expenses 587.9 568.3 536.7 -8.7% -5.6% Administrative expenses 2/ 315.2 299.2 271.0 -14.0% -9.4% Finance costs 39.8 45.5 84.7 +112.7% +86.0% Other

quarter of 2019 included: - Domestic branch network: Building upon our strength as the leading digital banking provider, we set our sights on becoming the Customers’ Channel of Choice. Focus has thus been

Lock Downs in other major businesses. It can generate earnings to remain profitable in both the mobile distribution business, personal loan business and real estate development business. The details of

Deposit Baa1 Baa1 Baa1 Short-term Deposit P-2 P-2 P-2 Senior Unsecured Debt Instrument Baa1 Baa1 Baa1 Subordinated Debt Instrument Baa3 Baa3 Baa3 Financial Strength (BCA) baa2 baa2 baa2 Outlook Stable

from rental and rendering of services from new rental spaces and improved occupancy rates, and decreased selling and distribution expenses from improved cost management • Operating revenue increased by

, Aurum and Aurum Company Limited (together with the Company, the “Group”) which engages in distribution of bakery products and equipment. Analysis of Financial Performance Revenues Business categories