with same period of last year as follows: Statement of Comprehensive Income (Unit : Million Baht) Details 3 Months 6 Months 30 Jun 2020 30 Jun 2019 Changed % 30 Jun 2020 30 Jun 2019 Changed % Revenues

130,357 130,274 2 Forth Smart Service Public Company Limited (FSMART) 1Q2020 Management Discussion and Analysis Financial Statement Summary in 2Q2020 Statement of Comprehensive Income Total Revenue Total

28.5 Mn. 2 Zen Corporation Group Public Company Limited 662 Soi Onnuch 17, Suanluang, Bangkok 10250 THAILAND. Tel: 02-0195000 Performance Statement of comprehensive income 1st Quarter 2020 2021 Change

) 130,283 130,481 130,357 130,274 130,065 2 Forth Smart Service Public Company Limited (FSMART) 3Q2020 Management Discussion and Analysis Financial Statement Summary in 3Q2020 Statement of Comprehensive

Discussion and Analysis 2018 Performance Summary Consolidated Statement of Comprehensive Income (Unit: THB Million) 2017 2018 % YoY Q4'17 Q3'18 Q4'18 % QoQ % YoY Revenues 5,858 7,539 29% 2,564 1,815 3,648 101

, which changed in revenue and net profit compared with the last year as follows: Statement of Comprehensive Income (Unit : Million Baht) Details Three-Month Period Nine-Month Period 30 Sep 19 30 Sep 18

(228%) Loss for the period (735) (14) 5184% Comprehensive income (loss) attributable to : Owners of the Company (561) (150) 274% Non - controlling interests (174) 136 (228%) Total comprehensive loss for

’ equity 44.78 136.35 162.10 Total liabilities and shareholders’ equity 254.74 355.49 388.89 (Baht million) Statements of comprehensive income for the year ended December 31 2015 2016 2017 Service income

management (IRM) through the establishment of comprehensive risk management principles and policies, efficient capital management and a risk-aware culture Bank-wide. Given our preparedness in terms of

through other comprehensive incomes (FVOCI). The the company and its subsidiaries have decided to measure the securities at fair value through other comprehensive income (FVOCI). As a result, the