28, 2018, the Company provided allowance for doubtful accounts of 2,416 million baht or 3.19% of total accounts receivable, decreased from 3.42% at the end of previous fiscal year. The percentage

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

loan commitments and financial guarantee contracts. Recognition of allowance for doubtful accounts uses expected credit loss model. As a result of this, the allowance for doubtful accounts is recognized

, decreasing by 13% and others of 124 million baht. 5 -Allowance for doubtful account The Company and subsidiary companies have increased allowance for doubtful accounts from 2,259 million baht as at the end of

by auto loan business was launched last year, and other receivables 180 million baht increasing by 5% y-y. As of February 28, 2019, the Company provided allowance for doubtful accounts of 2,880 million

by 23% y-y and others receivable of 127 million baht. - Allowance for doubtful accounts As of May 31, 2019, the Company provided allowance for doubtful accounts of 3,062 million baht or 3.59% of total

: credit card receivable 35,675 million baht, loans receivable 40,049 million baht, hire purchase receivable 1,324 million baht and other receivable 162 million baht. - Allowance for doubtful accounts As of

purchase receivable 1,500 million baht, increasing by 18% y-y and other receivable 150 million baht. - Allowance for doubtful accounts As of August 31, 2018, the Company provided allowance for doubtful

of the employee and executive expenses of THB 20.98 million or 47.51% which consistent with an increases in number of employee in order to support the growth of the business, (2) Rise of allowance for

receivable 1,753 million baht, increasing by 38% y-y and other receivable 143 million baht. 5 - Allowance for doubtful accounts As of November 30, 2018, the Company provided allowance for doubtful accounts of