economy, and the ongoing geopolitical tension. Although many risks are emerging, we believe that within these risks there are still opportunities for us, which we will adjust our business strategy soundly

กัทรัพยฯ์”) ก าหนดหนา้ท่ีของบริษทัท่ีเสนอขายหลกัทรัพยต่์อประชาชน และกรรมการ ผูบ้ริหารของบริษทั ดงัน้ี (1) การเปิดเผยขอ้มูลภายหลงัการเสนอขายหุ้น (ongoing disclosure) เช่น งบการเงิน แบบแสดงรายการขอ้มูลประจ าปี

Osotspa Public Company Limited Q2’20 and 1H’20 Management’s Discussion and Analysis 13 August 2020 Q2’20 and 1H’20 Management Discussion & Analysis Page 1/6 Financial Highlights - Despite the ongoing

resilience to economic conditions. During the COVID period, JMART had a very strong business group including JMT and Singer. 2. Adaptive Expectation The management has Lock down anticipated and ongoing

in a decrease in the cost-to-income ratio, which stood at 42.52 percent. KBank has set aside higher allowance for impairment loss on loans, in line with uncertainties from the ongoing economic slowdown

depend on cash flow, investment plan including any other future obligations of the Company and /or subsidiaries. Such dividend shall not adversely affect the Company and subsidiaries ongoing operations

policy. Moreover, in the first quarter of 2020, the Company has an additional provision in accordance with the new Financial Reporting Standards (TFRS 9) coupled with provision for future impact of ongoing

, which had delivered project in the previous quarter. In addition, the large projects in 2020 were less than those of 2019 which the Company had delivered major projects which had been ongoing from

result, NESDB has revised its 2024 growth forecast to a range of 2.3%-2.8%. Key supporting factors include the ongoing recovery of the tourism sector, private consumption, and both public consumption and

ทำกับผู้ที่ได้รับการแต่งตั้ง และตรวจสอบการเก็บรักษาทรัพย์สินและการดำเนินงานของผู้ที่ได้รับการแต่งตั้งอย่างสม่ำเสมอ (ongoing basis) ตามระยะเวลาที่กำหนดไว้ในข้อตกลงตาม (2)