(Thailand) Public Company Limited (“INGRS”) would like to provide an explanation about our 6-months financial performance for the period ended 31 July 2017 as follows: Sales Revenue For the 6-months period

August 11, 2020 Re : Management Discussion and Analysis for Q2/2020 To : Director and Manager of the Stock Exchange of Thailand Revenue from sales and rendering of services L&E’s consolidated revenue

service income for the year-ended 31 December 2019 was 800.8 million baht compared to 1,220.6 million baht for the year-ended 31 December 2018, decreased 419.8 million baht or 34.4 percent. It was mainly

. retailers, retail and other retail customers. 54.68 61.20 (6.52) (10.65) 4. customers abroad. 18.79 14.15 4.64 32.79 Total revenue from sales 309.49 339.60 (30.11) (8.87) Services Income 0.06 0.14 (0.08

reviewed by the auditor and the audit committee. The total net profit and total revenue increased more than 20%. The company would like to clarify as follows. 1. Total revenue were Baht 29.03 million, an

follows: 1. Total revenue for the 2nd Quarter ended 30 June 2020 was Baht 507.88 million, increased 8.67% from Baht 467.36 million compared to the same period of the previous year. Major increased revenue

previous year. Major increased revenue was hire purchase interest income. Total hire purchase interest income for the 1st Quarter ended 31 March 2020 was Baht 487.69 million, increased 14.28% from Baht

increased revenue was hire purchase interest income. Total hire purchase interest income for the 3rd Quarter ended 30 September 2020 was Baht 472.22 million, increased 2.14% from Baht 462.35 million compared

as follows: - Credit Card In the first half year of 2018, credit cards turnover accounted 63% of total turnovers with revenue of 3,732 million baht, an increase of 406 million baht or 12% y-y. In the

2017. The MD&A would enable the investors to better understand the Company and its subsidiaries’ 2nd quarter of 2017 reviewed financial statements. An Analysis of Performance * Analysis of Income The