Microsoft Word - Oishi MDA - Year End 2018_EN_v2_Sud.docx Ref. SorNor. 040/2018 November 20, 2018 Subject: Clarification of Operating Results and Financial Status for the year 2018, ended September

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Microsoft Word - I-!9%*#8˙I-*ˇ@( Blue Sky 20200929 EN_MDA Year End - Translation - 1 ACC-O-2010003 October 1, 2020 To: President The Stock Exchange of Thailand Subject: Management Discussion and

Microsoft Word - I-!9%*#8˙I-*ˇ@( Blue Sky 20200929 TH_MDA Year End 1 ท ีACC-O-2010003 1 ตลุาคม 2563 เรือง การวเิคราะห์และคําอธิบายระหว่างงวดของฝ่ายจดัการ ชีแจงผลการดาํเนินงานสําหรบัปีสินสดุวนัที 31

including the decrease in trade account payable of Baht 219 million as a result of the higher account payable for feedstock purchased during the end of 2016 in mitigating risk of flood in the Southern region

financial position date Example 1 : When the physical count of inventory was performed prior or after the fiscal year-end date, an auditor did not select samples to reconcile the movement of inventory 22

to extend our aspiration to become “Customers’ Life Platform of Choice”, meaning the most-preferred platform that can meet customers’ needs in every aspect of their lives. To this end, we work to

prior quarter. Therefore, commercial banks’ asset quality still merits close watch. As of the end of the first quarter of 2019, net loans at 14 domestically-registered commercial banks grew 4.98 percent

the uncertainties stemming from economic recession. However, our capital position – as of the end of the first quarter of 2020 – remained robust. As evidenced, capital adequacy ratio (CAR) of

last year 24.2%. The Company’s 6-month end net profit margin stood at 25.9%. An increase of net profit was a result of the Company has higher revenues from collection of purchased accounts receivables