which may affect international trade and exchange rate fluctuation. According to the Bank of Thailand data, at the end of December 2017, reported the total numbers of credit card industry amounted to 20.3

card business in 2016, the key sector which make up the growth of credit card business. Focusing on card recruitment activities, the Company has developed more card recruitment channels including setting

bad debt and doubtful accounts was mainly from the expansion of our loan portfolio and increased in writing off the bad debt. Moreover, the Company has developed a new collection to improve debt

impact from fluctuation of exchange rate . 2. Sales cost to revenue ratio increased by 1.36% (from 96.22% to 93.58%). 3. Gain from foreign exchange increased by 64.87 million baht (from loss 26.43 million

developed in the previous years i.e. 58% residential condominium projects and 32% single house projects. 1. Residential Condominium 3,800 2,100 5,900 2. Single House 1,800 2. Single House 1,100 - 1,100 3

repayment in April 2020 and to mitigate risk from the money market fluctuation during COVID-19. However, compared to the six- month period of 2019, the finance cost in the same period of 2020 increased by 0.7

lease of natural gas power plant and partially from realized gain on exchange from payment for machine and spare parts for the under- developed projects to foreign suppliers. During the period first

support domestic industries. Including, the fluctuation of exchange rates affects to the sales value decreased also. Anywise, the company expanded a production line to meet the needs of customers resulted

years. In cases where the underlying index has been developped for less than three years, a model of the price or the operating results for the years where the index has not been developed shall be

to the profit of 23.44 million baht) due to an impact from fluctuation of exchange rate, However the company tried to reduce financial risk by hedging against forward exchange contracts. 4. The