shared more than 70% of total personal loan sales. - Hire Purchase The Company offers motorcycle, used car hire purchase, electrical appliance, mobile phones and others and hire purchase business of

the public prosecutor for filing a lawsuit in the Civil Court to seek the maximum applicable civil sanctions, which must not be lower than those specified by the CSC.   Civil penalties and compensation

went on at higher level than previous year, somewhat improved indicates the recovery trend, but not too much while big portion of idle capacity still existed. Hence, the oversupply risk will pertain with

ratio swung between 67.6% – 74.3% throughout the year 2017, over the cycle, anyhow overall went on at higher level than previous year, somewhat improved indicates the recovery trend, but not too much

securities in the capital market and derivatives market, with short-term investment not more than 1 year by applying Arbitrage investment strategy as well as issuing and offering financial structured products

(“EDT”) and Hedge Fund Department (“HF”). EDT focuses on equity and equity-linked securities in the capital market and derivatives market, with short-term investment not more than 1 year by applying

external factors were mainly from lower than expected domestic economic growth, consumer’s cautiousness on sugar consumption as well as concerns over the global economic situation impacted by trade war

. The main reason was that HPC generated electricity less than that in the same period of the previous year because of the earthquake in Laos on November 21, 2019. (2) The loss of Xe-Pian Xe-Namnoy Power

due to lower prices. Net debt to equity is at 0.99 times, well below IVL’s covenants, and supported by stronger operating cash flow. The dividend payout of THB 1.225/share for 2019 remains higher than

Derivatives Trading Department (“EDT”) and Hedge Fund Department (“HF”). EDT focuses on equity and equity-linked securities in the capital market and derivatives market, with short-term investment not more than