because the second quarter is low seasonal quarter of the advertising business. The economy began to recover, many companies are cautious to spend on advertising. However, customers who focus on content

3) Advertising income was Bt1mn, decreased 1232.0% YoY because the second quarter is low seasonal quarter of the advertising business. The economy began to recover. Many companies are cautious to

) Advertising income was Bt1mn, increased 1232.0% YoY because the advertising business was slowdown in the last period. Many companies are cautious to spend on advertising. In this year, customers who focus on

year 2019. The loan receivables outstanding balance stood at 3,678 million Baht or a decline by 8.8% from the ending of 2018. The Company is very cautious to lending consumers. Moreover, the Company

-19 pandemic, the Company has been more cautious in managing the investment portfolio to mitigate risk exposures, which may result in lower-than-expected investment return. Our subsidiaries have

inflationary situation of the country's economy, causing the consumer purchasing power to decrease, together with the concerns of users about future inflation. As a result, users were more cautious in their

quarter but may be restrained by vulnerable and highly uncertain household income as well as elevated household debt. These factors are causing customers to be cautious on spending. Moreover, the tourism

’ burden by reducing minimum payment for credit card and personal loan as well as providing a grace period and relief program in the first quarter of 2020. Moreover, the Company adopted a more cautious in

, compiling, processing, storing and retrieving information related to obligation repayment and cautious delivery of the underlying goods (if any); (4) a system for custody of assets of service users by

information related to obligation repayment and cautious delivery of the underlying goods (if any); (4) a system for custody of assets of service users by applying the provisions under Paragraph 1 and 2 of