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

temporarily in Q1-2/2019. The Automotive industry also slowed down. However, we have seen recovery signal for the HDD industry in the country in Q3/2019, so the Company had received increasing purchase orders

, the tourism sector and a recovery in exports due to an improvement in the economies of our trading partners. As a result there has been an increase in the purchasing power of consumers in major cities

from major operational disruption to ensure prioritization of systems, processes and resources required for effective recovery of business operations. Clause 4 Business continuity plan in accordance with