decreased by 39.8% due to the allowances for bad debt and doubtful accounts of the bank are adequate as seen from high proportion of loan loss reserves ratio is at 186.08%. Earnings per share for the fourth

of lending of money for purchasing securities to all of its customers after deducting allowances for doubtful accounts at the end of any day shall not exceed five times of its capital fund. 43 Lending

resulting in lower manufacturing costs. Meanwhile, in the auto industry, the total number of car sales for 2019 showed a slowing down trend with sales for total year 2019 at 1,007,552 units, contraction of

limiting consumptions. For the auto industry, expansion continued during the first 2 months of 2019 with total number of car sales at 160,385 units, growth of 12.9%. The passenger vehicle and commercial

household debt including lower household income especially in the non-farm sector limiting household consumptions. Meanwhile, in the auto industry, the total number of car sales for the first eight months of

debt including lower household income especially in the non-farm sector limiting household consumptions. Meanwhile, in the auto industry, the total number of car sales for the first 9 months of 2019

economic uncertainties and the delay in public investment. Meanwhile, in the auto industry, the total number of car sales for the first 2 months of 2020 stood at 139,959 units, contracting by 12.7% both in

new WLTP (Worldwide Harmonised Light Vehicle Test Procedure) that became mandatory from the start of September 2018, which affected mostly car sales in Europe. However, sales in THB terms were

by 21.23% year-on-year, driven by growth in automotive parts segments, tooling sales to overseas customers and sale contribution from AAPICO Maia. The car dealerships sales dropped by 9.92% year-on

last year because of the Group has expanded market to the Car distribution center to add up sales. 4. Construction service income for the year increased due to the increased in revenue from construction