FROM THE CHAIRMAN (Suchart Jaovisidha) Chairman SCE_Eng_p.1-16 10/29/04, 1:05 AM4 5 In 2003, the bullish stock market was a good reflection of Thailandûs economic recovery with strong outlook and
recovery. According to the Bank of Thailand data, at the end of December 2018, the credit card industry reported the total numbers of credit card industry amounted to 22.1 million cards, has grown by 9% more
the result of continue growth in core business revenues that increased by 10% y-y, especially in personal loan and hire purchase products as well as a strong growth revenue from bad debt recovery by 42
expenses 137 132 (4%) Current portion of liabilities under rehabilitation plan 170 180 5% Provision 19 41 53% Other current liabilities 18 31 43% Total current liabilities 1,038 4,350 76% Non-current
rehabilitation plan 213 226 (6%) Provisions 28 72 100% Other current liabilities 35 35 (1%) Total current liabilities 3,061 5,298 (42%) Non-current liabilities Trade accounts payable Other payables and accrued
liabilities Short-term loan from financial institution 289 316 (9%) Trade accounts payable 1,876 7,479 (75%) Current portion of liabilities under rehabilitation plan 692 464 49% Current portion of long-term
-term loan from other parties - 19 (100%) Accrued interest expenses 126 1,478 (91%) Current portion of liabilities under rehabilitation plan 207 226 (8%) Provisions - 72 100% Other current liabilities 42
parties 124 1,239 90% Accrued interest expenses 137 132 (4%) Current portion of liabilities under rehabilitation plan 173 180 4% Provision 0 41 100% Other current liabilities 19 31 39% Total current
expenses 715 724 (1%) Advance from customers 137 192 (29%) Short-term loan from related parties 1,333 1,476 (10%) Accrued interest expenses 140 201 (30%) Current portion of liabilities under rehabilitation
rehabilitation plan 198 204 (3%) Provision 15 0 100% Other current liabilities 49 38 29% Total current liabilities 3,506 3,707 (5%) Non-current liabilities Trade accounts payable Other payables and accrued