30, 2019, the company has received returned on doubtful accounts amount of 2.79 million Baht, which is the whole amount of trade account receivables. In this period, there's no recognition on allowance

of inventory = Average inventory / (Cost of sales of goods / Number of days in the period1) Collection period (days) = Average trade account receivables before allowance for doubtful account / (Total

31 MARCH 2020 Not yet due 322 176 Up to 3 months 223 182 3 - 6 months 50 76 6 - 12 months 33 12 Over 12 months 33 13 Total 661 459 Allowance for doubtful debt 9 31 MANAGEMENT DISCUSSION & ANALYSIS FOR

liabilities Number of days of inventory = Average inventory / (Cost of sales of goods / Number of days in the period1) Collection period (days) = Average trade account receivables before allowance for doubtful

the year period ended December 31, 2019, the company has doubtful accounts amount of 22.90 million Baht, The allowance for doubtful accounts from trade receivables and advance in the amount of 32.07

allowance for doubtful accounts, the Company setup THB 4.03 million for doubtful debts during this period by the simplified approach to consider loss that was resulting from a decrease in time value of money

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

regard, the SEC Office may grant a waiver if it is necessary and appropriate: (1) a person having duty according to this Notification would be able to submit the information or the documentation prepared

9 In the cases it appears to the SEC Office a fact causing any of the following suspicious grounds, the SEC Office may not grant an application for an offer for sale of structure notes: (1) the

currency forward contracts 2 37 (19) N/A -152% 58 18 -70% Gain (loss) on foreign exchange 250 271 92 -63% -66% 335 363 9% Reversal of allowance for gain/(loss) from impairment of assets 0 (101) 19 N/A -118