comprising of current liabilities of THB 2,883.74 million (52.37% of total liabilities), long-term loans of THB 1,960.00 million (35.59% of total liabilities), provision for employees benefit of THB 530. 06

liabilities), provision for employees benefit of THB 539.18 million (9.98% of total liabilities), deferred rental income of THB 111.34 million (2.06% of total liabilities) , and other non-current liabilities of

loans of THB 1,600.00 million (29.64% of total liabilities), provision for employees benefit of THB 393.55 million (7.29% of total liabilities), advance received for rental income of THB 120.51 million

total liabilities) , provision for employees benefit of THB 401. 93 million ( 7. 44% of total liabilities) , advance received for rental income of THB 118.22 million (2.19% of total liabilities) , and

), provision for employees benefit of THB 552.17 million (9.78% of total liabilities), deferred rental income of THB 104.46 million (1.85% of total liabilities) , lease liabilities of THB 358.49 million (6.35

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

from operations. The significant changes of the selling and administrative expenses can be explained as follows: Decrease in selling and promotion expenses of THB 6.64 million. Decrease in provision for

expenses equal to 636.7 million baht, 12.8 % increasing. This is due to the allowance of provision in distress debt management business and personal loan business. Finance Cost The company had total

of provision for employee benefit obligation during Q4/2020. • Admin expenses to total revenue in Q4/2020 was 18.6%, improved by 5.3% from Q4/2019 due to the decrease in revenue while administrative

96.2 143.2 (47.0) (32.8) Contract liabilities 405.9 351.1 54.8 15.6 Liabilities under financial arrangement agreements 118.0 171.9 (53.9) (31.4) Provision for long-term employee benefits 121.3 139.6