the 2nd quarter of 2019 that has been audited from the external auditor, in order to disclose the information to investors and public. The Overview of Business Performance In the second quarter of 2019

) (6.13) - (18.63) (18.63) Finance costs (30.84) (17.11) (62.68) (33.34) SHARE OF LOSS OF INVESTMENTS IN JOINTLY CONTROLLED ENTITIES ON EQUITY METHOD (0.11) (1.47) (0.12) (2.04) PROFIT (LOSS) BEFORE TAX

Yai and Chachoengsao branch). Industry Overview The retail industry in 2018 is expected to grow but at moderate level since the purchasing power of middle and low income consumers, who are the main

well as other marketplaces e.g. Shopee, Lazada etc. Industry Overview Thai economy in 4Q19 was slowdown. On the domestic front, private consumption indicators suggested expansion in all spending

[COMPANY NAME] Ref.: EFORL IR037/2020 September 11, 2020 Subject: Management Discussion and Analysis Quarter 2 Ending 30 June 2020 To President The Stock Exchange of Thailand 1. Overview financial

Exchange of Thailand Business Overview In the year 2018, the Thai economy remained stable with the volatility of global economy including the impact of the trade war between the United States and China

. Industry Overview Overall economic activities in the first quarter of 2020 contracted from the prior last year. The Coronavirus disease 2019 (COVID-19) pandemic is continuing to evolve, resulting in an

, Line Official Account: @fnoutlet as well as other marketplaces e.g. Shopee, Lazada etc. Industry Overview Thai economy in 3Q19 was slowdown. Impacts from slowdown in trading partners’ economy continually

at least a. business overview; b. financial information; c. risk factors; d. capitalization and indebtedness statement; and e. credit rating (if any). D. Liens In case of issuing secured debt

. The conclusion was as follows: Overview of the business group in Q2/2019 The Company operates as a holding company and invests in businesses related to the retail and consumer finance, which have a