lockdown offset by improving bad debt expense. Net FX loss was Bt181mn in 3Q20, turned negative, compared to FX gain of Bt344mn in 2Q20 as THB had depreciated against USD and increased capex payable. Finance

declined -2.7% mainly from decrease of long-term lease liabilities and spectrum license payable. Interest- bearing debt stood at Bt87,190mn, decreasing slightly by -0.7%. Net debt including lease liabilities

as well as conducting e-commerce business and online and offline advertising media, in the total number of shares not exceeding 120,808,387 shares equivalent to 33.05 percent of the total outstanding

of 7 repossessed cars stood at 1.18% of average loan for 1Q18. Allowance for doubtful accounts and allowance for troubled debt restructuring amounted to Baht 10,691 million with outstanding Baht 4,500

operating expenses 2,060,064 1,767,737 292,327 16.5 Impairment loss on loans and debt securities 433,670 167,093 266,577 159.5 Profit from operating before income tax expenses 1,844,833 1,868,124 (23,291

(2,240.7) Other expenses 400,848 435,315 (34,467) (7.9) Total other operating expenses 2,462,203 2,060,064 402,139 19.5 Impairment loss on loans and debt securities 484,520 433,670 50,850 11.7 Profit from

39.71%. The gross profit margin for the year ended 31 December 2019 and 2018 was 41.13% and 36.68%, respectively. In addition, the Company has an outstanding backlog as of 31 December 2019 of THB 278.04

MB Subsidiaries / Others 3.31 MB 4.39 MB Total 122.79 MB 179.59 MB In the second quarter of 2019, the Company has a higher lawsuit expense for outstanding debtors. Moreover, the Company was gradually

from credit card income grew by 18% y-y which corresponds to increasing in the volume of card spending and cash advance. Other income from bad debt recovery grew by 32% y-y. As at August 31, 2022, the

30 JUNE 2017 Not yet due 577 488 Up to 6 months 93 195 Over 6 months 39 44 Total 709 727 % of total receivables 93.0% 89.0% Allowance for doubtful debt 34 33 % of total receivables 4.5% 4.0