well as other marketplaces e.g. Shopee, Lazada etc. Industry Overview Thai economy in 4Q19 was slowdown. On the domestic front, private consumption indicators suggested expansion in all spending

Yai, Chachoengsao and Rayong Branch (which started operating since 1 November 2018)). Industry Overview In 3Q18, Thailand’s overall economic growth accelerated from all major spending categories

economic slowdown resulting in declining export and plunging tourists’ spending especially Chinese tourists. The instability in Thailand politic and election in March 2019 slowed public investment. High

dividend Q419 THB 0.5b , net capital expenditure THB 1.1b, other items THB -0.1b. Cash and financial investments in 2018 decreased by THB 1.0 billion to THB 8.7 billion, due to EBITDA 3.4 billion less final

.) Export sector was impacted from country lock down of the partner countries due to the discontinuance of production chain 3) Government spending and investment shrinkage due to the delay of government

However, the government sector and related sectors had laid down the measures to stimulate the expenditure and relieve the economic impact such as Cash Relief amount of Baht 5,000 per month, increase of

3.4 billion less final dividend THB 0.8 billion 2016 paid in Q217, interim dividend Q417 THB 0.8 billion, capital expenditure THB 1.1 billion, other items THB -0.9 billion. Cash and financial

provision based on the best estimate of the expenditure required to settle the present obligation by taking into account factors such as the amount of debt relieved by the rehabilitation plan, interest claims

instructed JAS to rectify those financial statements by recognizing the provision based on the best estimate of the expenditure required to settle the present obligation by taking into account factors such as

of expenditure. Meanwhile, it would be very beneficial if the industry adopts CSR in process to banking business operations. Moreover, banking industry may further some of the SEC projects to promote