advance or installment loans (AEON Happy Pay). Thus, the Company provides more channels to facilitate financial services to customers and reduce Company’s operation cost. Moreover, loan income from AEON

weak global demand, especially exports of Epichlorohydrin decreased caused by lockdown restrictions in several countries. Analysis of Cost and Expenses 1. In Q2 2020, Cost of sales was 2,898 MTHB

results Consolidated 2022 2021 Sales 9,061.66 9,334.73 Cost of Sales 8,380.13 8,165.19 Gross Margin 681.53 1,169.54 Gain (loss) on exchange rates 9.52 (202.32) Loss on assets disposal (0.51) - Other Incomes

% 2% 2,920 2,506 -14% Earning Per Share (Baht per share) 3.96 3.87 4.04 4% 2% 11.68 10.02 -14% 3 Sales and Revenues Structure for the first nine-months of 2020. - Credit Card For the first nine-months

Net Profit Margin (%) 2.17 2.34 2.02 Current Ratio (Times) 1.33 1.34 1.33 Debt to Equity Ratio (Times) 2.27 2.16 2.26 Book Value per Share (Baht) 2.11 2.16 2.16 Net Profit per Share (Baht) 0.40 0.46

Net Profit Margin (%) 2.17 2.34 2.15 Current Ratio (Times) 1.33 1.34 1.36 Debt to Equity Ratio (Times) 2.27 2.16 2.09 Book Value per Share (Baht) 2.11 2.16 2.09 Net Profit per Share (Baht) 0.40 0.46

Current Ratio (Times) 1.33 1.34 1.43 Debt to Equity Ratio (Times) 2.27 2.16 1.79 Book Value per Share (Baht) 2.11 2.16 2.22 Net Profit per Share (Baht) 0.40 0.46 0.45 Yearly Management Discussion and

Margin (%) 2.40 2.35 3.32 Current Ratio (Times) 1.43 1.43 1.46 Debt to Equity Ratio (Times) 1.79 1.81 1.72 Book Value per Share (Baht) 2.22 2.25 2.41 Net Profit per Share (Baht) 0.45 0.43 0.15 Interim

revenues 123.13 214.56 (91.43) -42.61% Cost of sales 47.20 77.95 (30.75) -39.45% Selling expenses 4.97 9.20 (4.23) -45.96% Administrative expenses 25.77 14.60 11.16 76.46% Financial cost 2.53 1.03 1.50

Net Profit Margin (%) 2.40 2.35 3.13 Current Ratio (Times) 1.43 1.43 1.44 Debt to Equity Ratio (Times) 1.79 1.81 1.76 Book Value per Share (Baht) 2.22 2.25 2.31 Net Profit per Share (Baht) 0.45 0.43