% Change Cash and cash equivalents 82 103 (20%) Account receivables 817 700 16.6% Inventories 632 885 (29%) Other current assets 156 175 (11%) Total current assets 1,687 1,864 (9%) Property, plant and

increase is mainly from the personnel and marketing expenses. For 1Q18, the Bank recorded gain on sale of foreclosed assets totaled Baht 11 million comprised of loss from sale of repossessed cars totaled

16.5% yoy. The increase is mainly from the personnel and marketing expenses. For 1Q18, the Bank recorded gain on sale of foreclosed assets totaled Baht 11 million comprised of loss from sale of

Analysis (MD&A) 2019 Page 3/8 profit equal to 67 million Baht. It was due to a result of the strict credit control by the Company, causing an increase in revenue from collecting (Bad Debt Recovery

and analysis of financial positions (million) As at June 30,2020 As at December 31,2019 increase (decrease) million % Total assets 8,905.86 8,553.07 352.79 4.12 Interest-bearing debts 4,728.67 4,069.69

3.18 4.00 (0.82) (20.50%) Total current assets 1,608.69 1,522.44 86.25 5.67% Restricted bank deposits 56.40 56.40 - - Property, plant and equipment 1,358.08 1,376.73 (18.65) (1.35%) Other non-current

in Q1 2019  Revenue: 297mTHB in Q1 2019 compared to 254mTHB in Q1 2018 an increase of 17%  EBITDA: 60mTHB in Q1 2019 compared to 54mTHB in Q1 2018 an increase of 12%  Net income: 18mTHB in Q1 2019

current assets, THB 7,850.71 million (46.69% of total assets) in property, plant and equipment (PP&E), THB 2,654.67 million (15.79% of total assets), in investments in associated companies, THB 462.42

Land, Property and Equipment Other Current Assets Other Non-current Assets Equity Non-current Liabilities Current Liabilities 40% 20% 11% 29% 18% 22% 21% 70% 12% 18% 39% 16% 11% 73% A N A L Y S I S O F S

Company were Baht 2,794.47 million and as at December 31, 2019 were Baht 2,436.90 million, increasing by Baht 357.58 million or 14.67%. Total assets mostly consist of property, plant, and equipment