sale 2 decrease 6.16% due to slower than expected recovery in Domestic consumption in addition to increase in domestic competition. 2. Total cost of goods sold amounting to 6,892.49 million Baht was

represents decreasing of 1 Million Baht (14%) from Q2/2017. The main cause for the lower net profit is economic in Thailand just recovery, and there is a delayed effect before reaching down to subcontractor

the previous quarterly To: The President The Stock Exchange of Thailand Thailand's economic outlook for the year 2018 is likely to be bright. After seeing a clear recovery in the last quarter of last

previous year To: The President The Stock Exchange of Thailand Thailand's economic outlook for the year 2018 is likely to be bright. After seeing a clear recovery in the last quarter of last year, private

economic recovery. From the above situation, it affects the sales that customers postpone, slowing or canceling investment plans. For the second quarter of 2020, the Company recognized revenue from the

the result of continue growth in core business revenues that increased by 10% y-y, especially in personal loan and hire purchase products as well as a strong growth revenue from bad debt recovery by 42

other hand, our revenue from bad debt recovery continued to grow that increased by 26% y-y and the revenue from overseas subsidiaries grew by 28% y-y. Details of each business can be described as follows

be consistent with consumer’s behavior. Moreover, our revenue from bad debt recovery continued growing by 31% y-y. Details of each business can be described as follows: Profit and Loss Statement

cardless cashing totally online shopping increased around 2 times and cardless cashing share more than 30% of total personal loans. Moreover, our revenue from bad debt recovery growing by 11% y-y. Details of

excluding LQSF, export branded sales would slightly increase 1% YoY, mainly resulted from recovery in the Company’s major export countries, e.g. Cambodia, China, and Myanmar. Q4/2018 was the first quarter of