, credit card sales accounted for 64% of total turnovers with revenue of 4,820 million baht, a decrease of 68 million baht or 1% y-y. The decreased income was a result of decreasing of credit card spending

. Tax decreased by THB 10mn from THB 47mn to THB 37mn in this quarter. The decrease was due to reclassification of tax on gain from sales of MACO’s shares. As a result of the abovementioned improved

THB 27mn. However, the increase was partially offset by 5) a decrease in current portion of long-term loans of THB 77mn. Total non-current assets stood at THB 5,911mn, an increase of 10.0% or THB 539mn

Analysis for the year 2019 4 Accounting Standard. Other income which consisted of dividend income, consequently increased in the year 2019, in accordance with a decrease in share of profit from investments

the decrease in cash, cash equivalents and current investments of THB 282mn, which mainly due to a several investments comprising of a purchase of 74 billboards, an investment in 21 LED screens, an

1,366mn, an increase of 1.7% or THB 22mn primarily due to the increase in building and equipment of THB 37mn which was partially offset by the decrease in other non-current assets of THB 16mn Trade and

exchange Earnings from operation before change in operating assets and liabilities Operating assets (increase) decrease Long-term deposits at financial institutions Securities purchased under reverse

securities (Gain) Loss from assets distribution (Gain) Loss from foreign currencies exchange Earnings from operation before change in operating assets and liabilities Operating assets (increase) decrease Long

Operating assets (increase) decrease Long-term deposits at financial institutions Securities purchased under reverse repurchase agreement Temporary investments Receivables from Clearing House Securities

operating income ratio 45.8% 40.7% 50.7% 5.1% (4.9)% 43.3% 49.4% (6.1)% Return on average assets * 1.07% 1.13% 0.98% (0.06)% 0.09% 1.10% 1.07% 0.03% Return on average equity * 8.38% 8.81% 7.80% (0.43)% 0.58