. The conclusion was as follows: Overview of the business group in Q2/2019 The Company operates as a holding company and invests in businesses related to the retail and consumer finance, which have a

higher employee benefits together with the increase in the number of staff to serve the business expansion.  The finance costs during 2019 was THB 986.4 mm, which decreased by 16.4%, compared to the same

capital, net offsetting in decreased in Trade account payable and others of THB 21.69 million and repayment of long-term borrowings from financial institutions of THB 20.79 million and borrowings from

Practice Guidelines No. NorPor. 4/2559 Re: Practical Guidelines for Business Continuity Management _______________________________ Reference is made to the notification of the Capital Market Supervisory

Guidelines No. NorPor. 4/2559 Re: Practical Guidelines for Business Continuity Management _______________________________ Reference is made to the notification of the Capital Market Supervisory Board No

combined with an increase in paid-up capital and share premium of THB 14,621 million and was partly offset by dividend payments of THB 2,742 million paid to the owners of the Company in 2018. 3,439 18,303

increased of financial costs of THB 204 million resulted from the Company had a short-term loan for purpose of increasing working capital commencing in 4th Quarter of 2017.  Gain from exchange rate The

from the Company had a short-term loan for purpose of increasing working capital commencing in 4th Quarter of 2017. • Gain from exchange rate The Company had recorded gain from exchange rate for year

of 2017, the Company had a short-term loan for purpose of increasing working capital. 5. Performance of the Company and its Subsidiaries Management’s Discussion and Analysis (MD&A) For Q1/2018 11

117.79% Selling expenses 7.06 5.97 1.09 18.26% 6.15 0.91 14.80% 13.22 12.40 0.82 6.61% Administrative expenses 25.46 20.22 5.24 25.91% 24.96 0.50 2.00% 50.42 39.46 10.96 27.77% Net profit before finance