where there are many types of investment units, the criteria and method for classification of investment units; (b)1 rights and returns to be received by unitholders and the dividend payment policy for

written policy, scope, or definition of work to be outsourced, with approval, whether on a general or case-by-case basis, of the board of directors or the working group assigned by the board of directors

%, slightly increasing from the previous quarter. However, substance economic challenges are remained as a result of policy interest rate increment, high household debt level increasing from 86.3% to 90.6% in

the export sector, although it has a better outlook in the third quarter. In additions, the household debt rate remained high, the Company, therefore, implemented a more stringent credit lending policy

following the policy rate increase by the US Federal Reserve, may see an economic slowdown during this quarter. Aside from their fragile economic fundamentals, these countries were vulnerable to capital

in support of the national policy of making Thailand a cashless society. We always strive to bolster our capabilities in providing services via digital channels to promote increased digital

% Efficiency Ratios Return on Equity (%) 15.44% 15.32% 17.67% Return on Assets (%) 10.87% 10.68% 12.25% Return on fixed assets (%) 82.27% 89.99% 116.94% Asset turnover times 1.14 1.09 1.06 Financial Policy

Financial Policy Ratios Debt to Equity times 0.40 0.42 0.42 Interest coverage times 3,095.00 545.41 222.73 Dividend payout (%) 76.07%* 55.96% 55.68% * Pending approval from the 2020 annual general meeting of

%, since the Company has changed its Edible Oil Sales policy into Edible Oil refining service in 2017, where the Sales of Edible Oil in January were the Backlogs order from 2016. 2.2 Revenues from sales of

. Assets acquired from this transaction are 80% stake of Phuket Future Development Company Limited. 5. Expected Benefit 1. Supporting the company’s policy to diversify in to Property Business 2. To enable