of household debt. On the other hand, public spending and investment continued to grow due to government’s relief measure through cash injection for people and businesses. As of August 31, 2020, the

increase in short-term loans from financial institutions for the use of the Company’s working capital as well as current portion of long-term loan from the Company’s investments. Interest-bearing Debt to

portion of debentures 893.34 895.60 2.26 0.25% Current portion of lease liabilities 3.92 14.11 10.19 259.95% Other current liabilities 180.97 244.39 63.42 35.04% Converitble debentures - liability component

debt. As of November 30, 2020, the Company’s total cards reached 9.11 million cards, including 2.91 million credit cards, and 6.20 million-member cards. The Company has active customers more than 2

(x) 1.69 1.93 (0.24) The increase in current portion from long-term loan Return on Equity (%) 0.79 1.96 (5.95) The decrease of operational performance Debt-to-Equity Ratio (x) 0.20 0.19 0.01 The

every month. As the company has received a great amount of cash in Q3/2018, the company has repaid its short-term debt. The company still has a policy to invest more in both waste treatment and real

other operating expenses 2,462,203 2,060,064 402,139 19.5 Impairment loss on loans and debt securities 484,520 433,670 50,850 11.7 Profit from operating before income tax expenses 1,494,151 1,844,833

Power Company Limited ("HPC"), a joint venture, in a portion of 40 percent increased in the amount of Baht 599.48 million; as well as, the profit of Phu Fai Mining Company Limited, a joint venture for

depends on the nature of the item being hedged. In case of Cash Flow Hedges, only the effective portion of changes in the fair value of the derivative financial instrument is recognized in other

income received in advance 231.79 422.43 (190.65) (45.13) Current portion of long-term borrowings from banks 38.64 38.64 - - Current portion of liabilities under finance lease agreements 1.11 1.45 (0.34