LIMITED Management’s Discussion and Analysis Change in Capital Structure • Total assets increased by 13.1% from the end of 2018 to Baht 113,801 million as of June 30, 2019, primarily due to the continual
improving interest coverage ratio in 2H19 due to the expected continual revenue growth of food business and higher revenue from education business. The Company’s financial position remained strong with
continued to gain further traction driven by both growths in domestic and external demand. The value of merchandise exports expanded solidly on the back of the continual increase in export quantity and rising
another channel for them to apply for K-Home Loan via the website, www.ddproperty.com. For K-Credit Card, aside from continual digital lending for our KBank Payroll clients to ensure comprehensive services
programs even though the country’s economy favorably expanded, which supported by the acceleration of exports in accordance with economic expansion in key trading partners and the continual expansions of
$/BBL, attributed to the US backing out of the Iran Nuclear Deal and announcing new rounds of sanctions on Iran, combined with the global oil market that tightened after OPEC’s continual pursuit of its
continual and include consideration of a range of plausible impacts. 5.5 Risk committee While ultimate responsibility for a company’s risk management approach rests with the full board, having a risk
quality in these areas. The root cause analysis on some audit firms’ continual lack of the ability to fully remediate their deficiencies revealed a scarcity of experienced and competent staff to assume