the impact of COVID-19 at a level that the company can manage. Highlights of the company's performance in the second quarter of 2020 (Quarterly Profit New High) The Company and its subsidiary ( JMT

community mall at the end of the 1st quarter 2020 2. Interest income from loans from the purchase of receivables and loans is equal to 785.4 million baht increasing from the same period last year 147.4

margin1 (%) 20.1% (2.1%) (22.2%) 20.4% 2.7% (17.7%) Number of branches as at June 30 38 41 8% 38 41 8% 1H/19 1H/20 Change +/(-) Change +/(-) Q2/19 Q2/20 Operating highlight in Q2/2020 Revenue • After You

construction under a concession arrangement at actual cost amounting to Baht 131.3 million. No gain and loss from recognized sales and cost of construction under a concession arrangement transaction. 4 Cost of

% 2.2% 29.9% 27.2% (2.7%) Net profit margin1 (%) 17.7% 8.1% (9.6%) 19.7% 7.1% (12.6%) Number of branches as at Dec 312 38 39 3% 38 39 3% 2019 2020 Change +/(-) Change +/(-) Q4/19 Q4/20 Operating highlight

baht/kg, an increase from the previous year at 10.00 baht/kg, mainly due to the decline in the CPO stock from the level of 400,000 tons into the level of lower than 200,000 tons caused by exporting CPO

reviewing the adequacy of the internal control at least once a year. Extra revision may be necessary in case of any incidents which have significant impacts on the companies’ operations. Such assessment

provident fund committee the following matters: (1) the reason for determining such investment policy which shall at least take into account the best interest of the client; (2) a conflict of interest that

deposits at financial institutions 536.3 435.6 100.7 23.1 Investment property (net) 122.8 210.7 (87.9) (41.7) Property, plant and equipment (net) 10,637.0 10,261.3 375.7 3.7 Advance payments for

Receivables under finance lease 3,555.8 3,385.2 170.6 5.0 Inventories 777.8 531.6 246.2 46.3 Restricted deposits at financial institutions 329.8 435.6 (105.8) (24.3) Investment property (net) 122.8 210.7 (87.9