. Continued elevated levels of household debt will likely contribute to a contraction in private consumption, while private investment is also expected to fall as the business sector delays investment in order
NML’s assets to decrease by ten percent or more or by more than Baht 5,000,000 is considered an event having a significantly Enclosure Page 3 adverse impact. 4. The debt restructuring agreement between
debt recovery increased by 7% y-y as well as revenue growth from overseas subsidiaries by 46% y-y. As of May 31, 2020, the Company has active customers more than 2 million IDs, mainly from Bangkok 31
doubtful debt allowance in the amount of THB 11mm. The EBITDA and EBIT for 9-month/2019 decreases from the increase of COGS and from the loss from foreign exchanges in 2019 • EBITDA and EBIT margin in Q3
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
mainly form energy prices. Therefore, the unemployment rate at 1.53% in the first quarter of 2022 dropped from the previous year and household debt tends to increase due to rising prices of consumer goods
stores closure have been taken in account of the 2Q 2019 financial statement. The Company pursues a new business strategy which focuses on leveraging the brand equity which is through franchise model. Such
account receivable of THB 397 million as a result of FA plant shut down for semiannual planned maintenance and Chinese New Year; a decreasing of inventory of THB 335 million from lower inventory volume and
regulations which will take effect in 2020, especially the Thai Financial Reporting Standards (TFRS9), and capital requirements, as well as other additional measures intended to mitigate the household debt