for employee benefits of 8.32 Million Baht decrease in Bank overdrafts and short-term loans from financial institutions of 0.30 Million Baht, trade accounts payable and other payables of 101.20 million

30, 2020, the Company had total liabilities of THB 3,158 million, a decrease of THB 125 million or 4% compared to December 31, 2019, mainly attributed to 1. Accounts payable and other accounts payables

December 2018 % Liabilities and equity Current liabilities Bank overdrafts and short-term loans form financial institutions 549,431 9% 864,674 21% 620,047 17% Trade accounts payable 99,264 1% 105,023 3

..) Liabilities 12. Borrowings 13. Securities sold under repurchase agreements 14. Payable to Clearing House 15. Securities business payable and derivatives business payables 16. Debentures and debt instruments 17

business payable and derivatives business payables means company encumbrance from undertaking the securities business and derivatives business affected to the third person, namely net balance account of

account of creditor of derivatives clearing house. 15. Securities business payable and derivatives business payables means company encumbrance from undertaking the securities business and derivatives

problem at all to pay interest if it may need loans in some occasion. Most of existing liabilities were the Company’s trade accounts payable and it had been always paid on time. 4.2 Liquidity and Ability to

liability in Q1/2018 as follows. 1. Trade accounts payable has increased by 900.5 million baht which was due to an increase of accounts payable of buying non-performing loans as well as in the sector of

19.5%. There was thus the significant change of the liability in Q1/2018 as follows. 1. Trade accounts payable has increased by 900.5 million baht which was due to an increase of accounts payable of

Days Days 141 140 Accounts Payable Days Days 43 43 Cash Cycle Days 133 130 Leverage & Financial Policy Unit 31 Dec 2018 31 Dec 2017 Debt to Equity Ratio Times 0.74 0.62 Interest Coverage Ratio Times