still under development and not reflected in 2018 performance. Q4’2018 and full year operating performance Hotels FY’17 FY’18 Q4’17 Q3’18 Q4’18 Santiburi Beach Resort & Spa No. of room 77 901 77 96 96

million THB. The main reasons are as follows: 1. The deposit for a plot of land in Chaengwattana Soi 17 for the development of a future project is paid. 2. Projects under development and inventory increase

(23.43) (8.18) Service income received in advance 283.44 422.43 (139.00) (32.90) Current portion of long-term borrowings from banks 38.64 38.64 - - Current portion of liabilities under finance lease

, in this quarter, the Company cooperated with Big C Supercenter Public Company Limited to launch Big C World Mastercard, which offering privileges under the concept “The best credit card @Big C”. The

representing 7% of total company customers. The Company and subsidiaries have managed liquidity risk of operating cash flow under the COVID-19 situation with soft loan facilities of 5 billion baht from

in Personal Loans under the trademark of “J Money” which its operating performance in Q1/2018 had lost. It was due to the allowance for doubtful accounts. The company consequently has provided the

in Personal Loans under the trademark of “J Money” which its operating performance in Q1/2018 had lost. It was due to the allowance for doubtful accounts. The company consequently has provided the

representing 7% of total company customers. The Company and subsidiaries have managed liquidity risk of operating cash flow under the COVID-19 situation with soft loan facilities of 5 billion baht from

ละเอียดเกี่ยวกับกรอบและลักษณะการเสนอขายตราสาร (framework) (ถามี)  เอกสารแสดงการรับรองจากหนวยงานที่เกี่ยวของ เชน Certification under the climate Bonds standard (ถามี)

(Over-react and Under-react) พฤติกรรมแห่ตามกัน (Herding effect) พฤติกรรมการซื้อขายที่ไม่อ้างอิงปัจจัยพื้นฐาน (Noise trading) และการให้ความสำคัญกับการขาดทุนมากกว่ากำไรที่จะได้ (loss aversion) เป็นต้น