PowerPoint Presentation After You Public Company Limited Management Discussion & Analysis Q3/2020 Management Discussion & Analysis Q3/2020 Gross Profit and Gross Profit Margin • The Company’s gross

929,354 (18,647) (2.01%) Gross profit margin 315,647 325,527 (9,880) (3.04%) Selling Expenses 91,735 88,001 3,734 4.24%) Admin Expenses 89,134 79,800 9,334 11.70%) Net profit 106,678 128,745 (22,067) (17.14

, -6.7%YoY, but increasing +3.3%QoQ from unrealized foreign exchange gain. Reported net profit ( post- TFRS 16) stood at Bt7,001mn, slightly decreased by bt234mn compared to PRE - TFRS 16 adoption. 5 2Q20

million increasing by 31.5% yoy. Additionally, gain on investments totaled Baht 499 million increasing from Baht 45 million during 2Q18 while dividend income and profit sharing declined by 49.5% yoy. Other

totaling Baht 480 million, increasing when comparing to Baht 44 million during the first half of 2018. Meanwhile, dividend income and profit sharing declined by 42.6% from the same period last year. Other

for the first half year of 2018 of company’s subsidiaries in Thailand, the Company had commission income of 252 million baht, increasing by 4% y-y from AEON Insurance Service (Thailand) Co., Ltd. and

., Ltd. amounted to 376 million baht, increasing by 4% y-y and collection service income from ACS Servicing (Thailand) Co., Ltd. amounted to 199 million baht, increasing 16% y-y Expenses The Company’s

subsidiaries (14.60) (9.03) 0.05 Profit(Loss) attributable to equity holders of the company (68.68) (42.47) (9.41) (38.21) (59.27) 629.86 Basic Loss Per Share (THB) (0.09) (0.02) Book Value per Share (THB) 0.46

customers had a temporary delay of payment. However, the said customers still have the active status and can make the payment to the Company continuous increasing after ended of quarter 2. In addition

4,595 million Baht, increasing by 4.3 % when compared to that of 4,406 million Baht in the third quart er of the year 2017. Most of the total revenue was the contribution of Triple T Broadband Public