Company’s Performance for the Six Months Ended June 30, 2018 Administrative Expenses Baht million 6M/60 6M/61 +/(-) +/(-) % Employee and executive expenses 28.47 43.38 14.91 52.37% Advisor expenses 7.70 4.79

million, decreased by 123.5% YoY. This decrease was driven by the temporary closure of Hotels and the employee benefit expense from an organizational restructuring. However, the Company had the positive

Managing Director said: “We have improved our safety record in Q2 of 2019 after three lost time injuries in Q1 which results from a relentless focus from every employee. We will maintain this focus for the

-time employee compensation of Baht 32 million.  In 2019, the Company and its subsidiaries recorded loss of Baht 210 million, loss decreasing from the previous year that recognized net loss Baht 286

decrease was driven by the COVID-19 pandemic and an increase in employee benefit according to the new labour protection act effective in 2Q19. However, the Company had the positive impact on EBITDA of Baht

Thaicredit Retail Bank Public Company Limited On 1 March, 2017 Thaicredit Retail Bank Public Company Limited (“TCR”) offer for sale newly issued securities in the category of warrant (Employee Stock

61 3 5% 128 125 3 2% 4 / 5 • Regarding to COVID 19 situation, it impacted in both positive and negative to group company, the total gross profit for 3-month period ended June, therefore, are still 5

additional one-time employee benefit expenses in the current three months, while such provision was made in the same three months last year. The other increase is in area of personnel costs due to salary

the first quarter to the present, and has a direct impact on the gross profit and net profit of the company. However, the Company and its subsidiaries have no obligation to set for additional employee

provision in first quarter of the year for the additional employee benefits at the amount of approximately 7.7 million baht in order to comply with the Labor Protection Act, revised and announced in 2019. 1.1