-China trade war and the depreciation of Yuan (CNY) against US dollar. Besides, the extreme fluctuation of crude palm oil price in end of 2019 affected buying sentiment to be drop as buyers waited for the

(Unit: Thousand) Items 30 June 2017 31 December 2016 Increase(Decrease) Percentage Net Assets 6,129,846 5,820,498 309,348 5.31 Net Liabilities 1,248,590 999,424 249,166 24.93 Shareholders’ equity

amount 62.11 million Baht. หน้าที่ 4 จาก 5 2. Analysis of Financial Status (Unit: Thousand) Items 30 September 2017 31 December 2016 Increase(Decrease) Percentage Net Assets 6,175,925 5,820,498 355,427

1. The company's total assets as of March 31, 2020 and March 31, 2019 were 1,757.85 million baht and 1,573.51 million baht respectively, an increase of 184.34 million baht or 11.72% due to an increase

2018 primarily due to the US-China trade war and global uncertainty contributed negative impact on export growth. The growth of credit card business in Thailand continue expansion due to overall economic

private consumption and total investment were constantly expanding. However, Thai economy still faces external risk such as U.S. monetary and trade policy and global economic uncertainty. As of August 31

public consumption and private investment were constantly expanding. However, Thai economy still faces other risk such as The U.S.-China trade war, global economic uncertainty and domestic political

slowed down. In addition, Thai economy still faces external risk such as trade war between US and China and global economic uncertainty. As of August 31, 2019, the Company’s total cards reached 8.75

sentiment. Meanwhile, exports and tourism expanded at a slower pace, partly due to the impact of the US trade policies and a drop in Chinese tourist arrivals. Headline inflation in the third quarter of 2018

million baht from: Unit: million baht As at June 30, 2017 As at December 31, 2016 Variance Current assets Cash and cash equivalents 8,948.2 10,669.9 (1,721.7) Trade and other receivables 1,402.7 1,965.6