employee cost and the additional post- employment benefit expenses from the new labour protection act effective in May 2019. Depreciation and amortization expenses were Baht 86 million in 3Q19, decreased by
percent, due to the increase in short-term loan of Baht 18.40 million, increase in trade accounts payable and other accounts payable of Baht 25.98 million, increase in provision for post-employment benefits
measures implemented to curb the outbreak. Durable goods segment also declined from the contractions in vehicle sales in line with the weakened household income from lower income, employment and consumer
operations or significantly reduce employment. 3. More-severe-than-expected impact of the drought could affect farm income For banking sector in the first quarter of 2020, commercial bank loan expanded at a
increase in provision for post-employment benefits obligation of Baht 3.35 million but there were decrease in other current liabilities of Baht 2.62 million. The Corporate Group’s total shareholders’ equity
effect on employment and household income; (3) a slow vaccination and vaccine effectiveness which could further delay border re-opening; and (4) 1 Excluding loans classified as Purchased or originated
declined from the contractions in vehicle sales in line with the weakened household income from lower income, employment and consumer confidence coupled with the already high household debt level
in its practice of investment management. It should employ knowledge, ability and skills as a profession in management of investment under different situation, for instance: (1) Employment of personal
instance: (1) Employment of personal who have suitable knowledge and ability for the duty; (2) Disclosure of information that is necessary for making investment decision to the client including investment