ended June 30, 2018 as follows: Company’s Performance (unit: million Baht ) 2018 (6 Month) Percentage 2017 (6 Month) Percentage Total income and other income 7.40 100.00 47.97 100.00 Costs - - 18.79 39.17

9 months of the year 2018 ended September 30, 2018 as follows: Company’s Performance (unit: million Baht ) 2018 (9 Month) Percentage 2017 (9 Month) Percentage Total income and other income 11.41

Management’s Discussion and Analysis KEY FINANCIAL HIGHLIGHT Sales and Service Income • Sales and service income increased 9.4% y-on-y in Q1’2020 to THB 11,223 million primarily due to 1) full- period

THB 250 million in 2Q20, decreased by THB 7 million or 2.7% YoY mainly due to the decreases of service income of Dusit Hospitality Services and dividend income and Arrangement fee income of THB 232

. Challenges persisted, including uneven income recovery, restrained spending in mid to low-income segments, high household debt, and global macroeconomic uncertainties. As a consequence, the overall economic

of Baht 0.28 million was shown profit from a sales of a vehicle. (5) Dividend income In 2017, the Company had no dividend income, which impacted the revenue to decrease. In 2016, the Company received

2015 has decreased by THB 2.30 million or 74.97% from the 2nd quarter of 2014. AIL only focuses on serving only group business. 5. Other Income The Company and the Subsidiaries had Revenues from Other

million which decreased by THB 6.89 million or 74.97% from the 2nd quarter of 2014. AIL only focuses on serving only group business. 5. Other Income The Company and the Subsidiaries had Revenues from Other

1,349.8 1,294.3 55.5 4.3 Unbilled Payables 481.0 459.8 21.2 4.6 Long-terms loans, current portion 16.1 29.0 (12.9) (44.5) Income tax payable 37.5 24.8 12.7 51.2 Advanced receipts from customers 58.6 87.8

increase and the efficiency of debt collection team. 2. Service Income from debt collection in 2018 was 288.8 million Baht, increased by 46.7 million Baht or 19.3% from 2017. Service Income from debt