quarter. C Contents Page Executive Summary A 1. Overview of Operating Environment 1 1.1 Global and Thai Economy in the Second Quarter of 2019 1 1.2 Banking Industry and Competition 2 1.3 Significant

profit was Bt104.3mn, decreasing 28.2% YoY • Total revenue from core business was Bt667mn, decreasing 17.1% • Banking agent business (of which the Company is the agent for 6 commercial banks: KTB, KANK

18.3% QoQ.  Total revenue from core business was Bt735mn, increasing 10.2% QoQ.  Banking agent business (of which the Company is the agent for 6 commercial banks: KTB, KANK, BAY, GSB, BAAC, and SCB

banking agent business.  Developing Boonterm kiosk to be a one-stop financial service kiosk, i.e. cash deposit, money withdrawal, money transfer, payment, and new account opening.  Expanding lending (PL

, decreasing 8.7% YoY – from Covid-19 pandemic.  Number of “Boonterm kiosk” was 130,357, increasing 0.9% YoY.  Banking agent business (of which the Company is the agent for 6 commercial banks: KTB, KANK, BAY

government ordered the closure of various stores, more home cooking behaviors. The results of the expanding production line into flexible packaging group help reducing impact from uncontrollable external

33.00% which is a result from the better monitoring system to control the expenses, The company still focuses on expanding the flexible packaging market. 4. Administrative expenses For Quarter1 of the

to match with customer requirement which are the results from Sale department has contact new target customer group for expanding the Flexible packaging market. 4. Administrative expenses For Quarter2

baht or 61.70 % decreased. In the year 2019 the company has the interest payment from the payment through banking of plastic resin purchased (TR) but after the Company decided to canceled the production

asset quality management for its loan portfolio and focus on expanding into profitable segment with better asset quality taking into careful considerations the economic conditions. As such, the overall