solution with HR services representing 75.9% of our revenue, Financial services representing 22.6% and other income representing a small 1.5%. In 2018, the HR services has grown at a higher rate than
accepted accounting principles. The company did not arrange the assessment of value and quantity of small-sized gas cylinders and record allowances for impairment in accordance with generally accepted
Thailand and Cambodia) under the order of the Ministry of Education to close schools nationwide. Healthy food business under "Kauai" brand under the operation of Dusit Real Foods Co., Ltd. temporarily ceased
offset by temporary revenue drop during 2Q20 from COVID-19 impact. Cloud and ICT solution grew double-digit YoY given its small base while EDS revenue, main contribution for enterprise non mobile, was flat
businesses in acquiring and managing NPLs and NPAs. This enables BAM to consistently and sustainably generate healthy profits for all stakeholders. หนา้ 2 2. AMC Industry Outlook and Overview In 2019, the Thai
criteria for commercial lending policies, prioritizing risk assessment through prudent screening and close monitoring of borrowers, especially those in small and micro businesses. Moreover, we adjusted
., LTD. saw satisfactory lending business volume in line with the overall domestic automotive industry while also maintaining healthy asset quality. Meanwhile, KASIKORN FACTORY & EQUIPMENT CO., LTD
agricultural industry and investment projects in electricity production from renewable energy. Moreover, small and medium sized businesses’ loan demand also slightly increased due to the need for working capital
liquidity ratio was 1.35 times. The Company maintained healthy financial position and sturdy debt service capacity with interest-bearing debt-to-equity ratio of 0.09 times. 2019 Outlook 2018 was the final
smart solutions to improve the efficiency and productivity of their businesses. Nonetheless, economic concerns also persisted in this customer segment, especially in small and medium enterprises, and