ช่วงครงึปีแรกของปี 2562 นอกจากนี บริษัทฯ ยงัไดร้บัผลกระทบจากการปรบัการบนัทึกบญัชีค่าใชจ้่ายสมัปทานของสือโฆษณาในต่างประเทศเป็นแบบเสน้ตรง (Straight line) ซึงเป็นไปตามมาตรฐานการ บนัทกึบญัชทีีใชใ้นประเทศไทย

assets as aforementioned resulting in remaining excess loan loss reserve of Baht 1,887 million which the Bank plan to release within 5 years on a straight line method. As of end of 1Q20, allowance for

released using a straight line method since 1Q20. With the continuing uncertainties from the economic slowdown and prolonged impact from 3 Including ECL for loans and loan commitments and financial

straight line method. 2 For 1Q20, total revenue generated from the Investment Banking business totaled Baht 209 million which included Financial Advisory Fee of Baht 43 million, Underwriting Fee of Baht 124

reduce Biodiesel’s production cost, which made revenues contribution from this segment went down, where in the 1st quarter of 2014 the Company was selling PFAD since the Ester 80% Plant was under

2014. Due to decreased in Biodiesel production as mentioned above and the Company used most of its by-products as raw materials in B100 production to reduce Biodiesel’s production cost, which made

and 1% q-q. Thus, the Company provides more channels to facilitate financial services to customers and reduce Company’s operation cost. Currently, the Cardless transactions at ATMs accounted for 19% of

Company determines to maintain an optimal capital structure by lowering leverage level which will ultimately reduce debt ratio. Unit: THB million 31 December 2018 31 December 2019 Change Cash and cash

exports to reduce from the previous year. Furthermore, the sale of goods to foreign countries has been affected by the continuous appreciation of the Thai baht. Domestic consumption trend continues to

the Edible Oil market if highly competitive and the Edible Oil refining service might reduce the risk of CPO’s price volatility, where the refining services price were established by using a comparable