Securities Co., Ltd. (“Krungthai ZMICO”), which the Company has 49.71% shareholding, was Baht 19.30 million. In the midst of market and stock market index volatility in the first quarter of 2020, Krungthai

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estate market is explored in order to diversify business risk and boost recurring income. Apart from developing residential condominiums, the Company also provides real estate services and property

investment is not considered a transaction of a listed company under the Notification of the Capital Market Supervisory Board No. TorJor. 21/2551 The transaction is considered as an acquisition of assets. The

Notification of the Capital Market Supervisory Board No. TorJor. 21/2551 The transaction is considered as an acquisition of assets. The transaction size which is calculated by total value of consideration paid

Capital Market Supervisory Board No. TorJor. 21/2551 The transaction is considered as an acquisition of assets. The transaction size which is calculated by total value of consideration paid or received

continued to have presence as strong brands in the market. Implemented company-wide cost optimization With low growth market, AIS has been focusing on optimizing and digitizing the core operation including

our credit management standards.  Market Risk Management Market risk may arise from changes in interest rate, foreign exchange, equity and commodity prices, as well as credit spreads. These changes

inevitably affected the Company’s operating revenue. In addition, the Company had invested in renovating its long overdue hotels to enhance competitive edge in the market. Moreover, the economic slowdown and

Baht 30-Sep-19 31-Dec-18 Total Assets 28,635 30,632 Total Liabilities 19,001 20,532 Total Equity (911) 172 Minority 10,545 9,928 Gr ou p HR C Gr ou p Management Discussion and Analysis Quarter 3 Ending