loss and its movement shall be recognized to reflect the change of credit risk since initial recognition.  Hedge accounting which determines the type of transactions eligible for hedge accounting

from the change in defined benefit plan according to KBank’s employment policy which is not related to labor law, together with rising marketing expenses, our cost-to-income ratio stood at 45.02 percent

Nation U Co., Ltd., the subsidiary of the Company, and change in the accounting policy regarding the record of the land valuation To: Director and Manager The Stock Exchange of Thailand (SET) Attachment

Consolidated Separate Amount Change Amount Change Q1.2020 Q1.2019 Amount % Q1.2020 Q1.2019 Amount % Revenue from sale – net 289.72 352.86 -63.14 -17.89% 287.55 352.69 -65.14 -18.47% Profit from the exchange rate

1H/2019 1H/2020 Change THB million % THB million % THB million % Revenue from services 1,751.8 100.0% 1,151.6 100.0% (600.1) (34.3%) Costs of services 1,087.4 62.1% 785.4 68.2% (302.1) (27.8%) Gross

forecast general economic conditions. (in thousand Baht) Allowance for impairment losses 31 December 2019 30 June 2020 Change Consolidated financial statements 1,055 3,756 2,701 2. Thai Financial Reporting

in Kenya. Moreover, Elite Havens luxury villa rentals and management has expanded to Goa and Maharashtra, India. Unit: Baht million 2Q20 2Q19 Change 6M20 6M19 Change Hotel business 100 813 -713 -87.7

by Baht 32.95 million due to the Baht appreciation against JPY in Q3 2019 was improved when compared to the same period of previous year. The unrealized loss on exchange rate was mainly from

from 7.63% in 2018 to be 8.10%. This was derived from our well manage in purchase timing as well as the currency appreciation in this year. Total selling and administrative expenses decreased by Baht

restrictions from the franchisor. Loss on Exchange Rate The Company and its subsidiaries’ loss on exchange rate in year 2019 increased by Baht 5 million when compared with last year due to Baht appreciation