financial institutions of Baht 114 million; and (3) cash paid to finance costs of Baht 66 million. 6. Forward Looking The Year 2019 was another challenging year for the Company. We dealt with uncontrollable

situation on Covid 19. Including measures that the company has taken to reduce the impact and Looking Forward According to the current situation of Covid 19. Company as a holding company which invest in

lockdown measures. In addition, the Company maintains management overlay in the amount of 1,378 million baht for a hedge with probable forward looking macroeconomics factors and the new wave of COVID-19

dropped as a large number of fixed-term deposit accounts reached maturity, and there was a cash outflow from current and savings accounts at three or four banks. Looking at the remainder of this year

Reporting Standards (IFRS9) going forward. All of these factors may affect business adjustments of commercial banks in terms of provisioning expenses, risk calculation, capital maintenance and their overall

366 240% Gain (loss) from foreign currency forward contracts (32) (259) 17 152% 106% 39 (225) -672% Gain (loss) on foreign exchange (253) 299 227 190% -24% 237 889 276% Reversal of allowance for gain

a contraction in overall vehicle sales. Other personal loans and credit card loans decreased in tandem with a decline in private consumption growth. Looking forward, financial institutions expect

lease agreement of Baht 53 million; (5) cash paid for treasury shares of Baht 114 million; (6) cash paid to finance costs of Baht 63 million; and (7) cash paid for dividend of Baht 69 million. 6. Forward

dividend payment to the Company’s shareholders of Baht 243 million. Page 8 6. Forward Looking In 2017, the Company’s sales declined, in line with the contraction of the beverage market and the domestic ready

declined after accelerating in the previous quarter. Looking forward, financial institutions expect demand for business credit to increase, especially for large corporates to invest in fixed assets for