named “Work from Here”. The Company also offered various credit card promotions and various forms of sales promotions through television, radio and other media. Online sales decreased by THB 64.68 million

their concern on ability to manage liquidity and debt-servicing ability of households and businesses. Although the deterioration in credit quality affected profitability, Thai commercial banking system

indicated that in the third quarter of 2019, credit demand from the business sector improved from the previous quarter, due to loan demand from large corporates, particularly for working capital in the

Industry and Competition 2 1.3 Regulatory Changes 2 2. Risk Management and Risk Factors 5 2.1 Credit Risk Management 5 2.2 Market Risk Management 5 2.3 Liquidity Risk Management 6 2.4 Cyber Risk Management 6

due to the allowance for doubtful accounts from debtors. However, the Company has improved its operations as details below. 1. Quality customer selection, the Company has revised the credit approval

PUBLIC COMPANY LIMITED KPMG PHOOMCHAI BUSINESS ADVISORY COMPANY LIMITED KPM SECURITIES COMPANY LIMITED CREDIT SUISSE SECURITIES (THAILAND) COMPANY LIMITED CREDIT AGRICOLE CORPORATE AND INVESTMENT BANK

with higher administrative expenses. 4 (Unit: Baht million) Consolidated balance sheets As at 31st Mar 2019 As at 31st Mar 2018 Amount % Amount % Assets Current Assets Cash and cash equivalents 314.32

was mainly from the higher in gross margin. 4 (Unit: Baht million) Consolidated balance sheets As at 31st Mar 2018 As at 31st Mar 2017 Amount % Amount % Assets Current Assets Cash and cash equivalents

or approximately Baht 922,896.84 Pricing policy At Book value (transaction amount) and near market value Payment term By cash with 60 days of credit term The reason In order to reduce outstanding of

cash with 30 days of credit term The reason In order to reduce outstanding of unused equipments and create maximum benefits for the Company and its subsidiary, CCET sold unused equipments to KPPH. 2nd