which may affect international trade and exchange rate fluctuation. According to the Bank of Thailand data, at the end of December 2017, reported the total numbers of credit card industry amounted to 20.3

million. 2. Total expenses decreased of Baht 4.69 million or 13% mainly from recognized impairment loss in Solaris and Thanh Cong, employee benefit expenses, consulting fee and loss on exchange rate. By the

of the provision for rental assurance of OFCs of JASIF due to the change of the discount rate (rental fee increase), amounting 31 million Baht; - an allowance for doubtful debts and bad debts of 3BB of

respectively, in relation to the increase in FED interest rate from 0.75% in 2017 to be 1.50% in 2018 and higher cash on hand in US currency compared to that of previous year. - Foreign exchange gains worth 176

revenue in 2018 from about 41 rai of land title deed transfer while it had only THB 45.06 million of revenue from about 15 rai of land transfer in 2017. ▪ The higher increasing rate of the cost of

previous year Baht 4.6 million. The main reason resulted from gains on exchange rate increased Baht 3.1 million against the previous year’s loss income was Baht 4.8 million which classified into

reason of increasing in gain from exchange rate. 1.2 Cost of goods sold and expenses Consolidated financial statements (Thousands Baht) Nine-month Change 3nd Quarter Change 2562 2561 Amount % 2562 2561

compensation rate for employees who have more than 20 years of work from the original 300 days has been adjusted to 400 days; approximately 57.53 million baht, and the Company’s Voluntary Retirement project

of the previous year due to the Company needed funds to support project, therefore, increased external borrowing and overdraft with a relatively high interest rate. - At the end of the year of 2019

business operations of the Company, such as gains from exchange rate, interest income, and bad debts received afterwards. For the year 2019, the Group has other revenues totaling 115 Million baht increased