income. Public spending also increased from spending on goods and services and compensation expenses while capital spending declined from the high base effect of last year from the disbursement of

First Quarter of 2020 1. EXECUTIVE SUMMARY WHAUP finished our First Quarter of 2020 with a Normalized Net Income of Baht 219.0 million, a 18.8% decrease from 1Q2019 while Net Profit of Baht 43.5 million

Second Quarter of 2020 1. EXECUTIVE SUMMARY WHAUP finished our Second Quarter of 2020 with a Normalized Net Income of Baht 177.7 million, a 74.4% decrease from 2Q2019 while Net Profit of Baht 317.4 million

period for our operations due to the COVID-19 pandemic. We temporarily closed non-food stores in accordance with the government requirement, while our food businesses still operated with reduced operating

while during 2020 the discount was deducted from depreciation expenses • EBITDA margin increased by 5.3% in Q2/2021 and 4.6% in 1H/2021. The increase of EBITDA margin was mainly due to the Company’s

continuously strives to enhance customer value and efficiency to serve customers with 5G services. Investments were prioritized to maximize efficiency to expand 5G capacity to cover over 90% of Thailand while

3.3%. The commercial vehicle segment contracted by 5.1% while the passenger vehicle segment also contracted by 0.3% yoy. In the equity market, the 3 average daily turnover (SET and mai) for 2019

-cycle of electronic products. In the tourism sector, the number of tourist arrivals for the first five months of 2019 increased 1.6% yoy while the number of Chinese tourists which contribute about 29% of

the tourism sector, the number of tourist arrivals for the first half of 2019 increased 1.5% yoy while the number of Chinese tourists which contribute about 29% of total tourist arrivals still exhibited

while other non-interest income declined yoy. Overall operating expenses also declined from effective cost management when comparing to the same period last year. The Bank continued to remain prudent when