governamental policy; (3) the offer for sale of the debt securities may have a negative impact on the credibility of the overall Thai capital market; (4) the offer for sale of the debt securities may cause damage

case of negative equity, specify only the cases worth more than 10 percent of the current assets as of the end of the latest financial year, (2) any lawsuit that affects the business undertaking of the

risks. We put in place more stringent customer approval criteria for commercial lending policies, and closely monitored borrowers, especially small and micro businesses, through appropriate

the COVID-19, which is closely monitored and is systematically handled. Furthermore, communications were consistently made to employees and associates, allowing businesses to still operate continuously

increasing loss by 163% in comparison with the same period in the previous year. Negative gross margin accounted to -71.7% and the proportion of revenues beauty service business per total revenues was 6.9%. 3

negative effect from strengthen THB against USD. * Note Please find further information in the consolidated financial statements. 2 Gross profit margin = Gross Profit (Total Sales – Costs of Sales) to Sales

The Company’s negative net profit for 3rd Quarter 2019 is THB 8.14 million equivalent to 10.16%, in which the net profit decreased from the same period last year due to the increasing of the selling and

overall selling price decrease, especially for Caustic Soda due to the fall of its market price trend, plus impact from appreciation of Thai Baht against US Dollar. However, those negative impacts were

bonds must not have negative issues on good corporate governance and must be invested at the proportion of no less than 60 percent of the net asset value (NAV), either in the primary or secondary

result, Chantip gained illegal benefits from such buying. Moreover, during 12 July – 10 August 2018, after Chantip knew negative non-public information that the operating results of UVAN in the second