China, following the boat accident in Phuket, and Russia, following the sanction imposed by the US, and last but not least, 4.) other supporting factors, namely public investments driven by state-owned

loans and other consumer loans is likely to pick up. Meanwhile, auto-leasing loans will be driven by demand for automobiles from groups that have not been badly affected by the Covid-19 situation, and

receivable of 75,824 million baht, increasing by 15% y-y from 66,128 million baht in fiscal year 2016, driven by credit card receivable. This can be categorized by business type as follows: credit card

driven by global trade recovery and well-performing trading partners’ economies. Also, tourism sector robustly expanded, reflected from an increasing number of international tourist arrivals especially

driven by advertising income from a large mobile phone operator in 2017 but the Company only had income from small and medium businesses in 1Q18. However, new income will be recognized in 2Q18 – 4Q18. The

million. Shareholders’ Equity As of 31 December 2018, Total Shareholders’ Equity was Baht 14,049.3 million, an increase of Baht 1,472.3 million from Baht 12,577.0 million at the end of 2017, mainly driven

period of 2 0 1 7 as driven mainly by rising expenses on office employees, office and miscellaneous expenses and depreciation and amortization expenses to support more workloads and more units from

from 2.3% in the second quarter of 2019, mainly driven by expansion of private consumption, government spending and tourism sector. Meanwhile, exports sector continued to contract caused by uncertainty

February 28, 2017, The Company had consolidated accounts receivable of 66,128 million baht, increasing by 4% y-y from 63,302 million baht in fiscal year 2015, driven by credit card receivable. This can be

economic activity in the second quarter of 2017 continued to expand, driven by export of goods which showed a high and more broad-based expansion and the tourism sector which continued to expand steadily