regional trades and investments; and (4) Sustainable – The V3 22/02/61 10:09 น. 5 Thai financial institutions system is robust and able to support the country’s economic growth as well as promoting

14.7 1,267.3 107.5 Administrative expenses 273.3 2.7 425.1 2.6 151.8 55.5 Total Expenses 7,114.9 71.2 11,482.6 69.0 4,367.7 61.4 Profit before share of loss from investments in joint ventures, finance

reserves and financial investments were THB 8.7 billion at 31st December 2019 similar to THB 8.7 billion at 31st December 2018 . reviewQ419.xlsx MD&A 2019 24/02/2020 Asset Quality Accounts Receivable Most of

the annual general meeting in April and paid out in May. Financial Status The group currently has no interest bearing debt. Cash reserves and financial investments at the 31st December, 2017 were THB

and administrative expenses; 3) higher finance costs due to investments in machinery, and joint ventures in Thailand and overseas; 4) higher depreciation of investments in machinery and 5) non-cash, one

finance costs due to higher borrowings as a result of previous investments in machinery, subsidiaries, and joint ventures. 2. Overview of Domestic Economy and Ready-to-Drink Fruit Juice Market In Q3/2018

reduction. However, outstanding loss remained due to 1) sales shrinkage; 2) higher cost as a result of higher depreciation from investments in machinery; 3) higher financial costs from investments; and 4) one

an increase of 9.1 percent in non-interest income contributed by increases in gains on tradings and foreign exchange transactions and gains on investments. Despite the exemption of transaction fees via

30.8 percent increase from last year, due to the recognition of special profits from the sale of investments. At the end of 2019, loan growth in the Thai commercial banking system decreased to 2.0

Administrative Expenses (69.3) (152.9) (83.6) 120.6 Finance Costs (404.0) (459.9) (55.9) 13.8 Share of Profit from Investments in Associates and Joint Ventures 962.5 1,936.1 973.7 101.2 Income Tax (Expense) Income