auditor?s scope was limited by circumstance on the issues of allowance for scrap with soil of GSTEEL; and(3)  the uncertainty of value of the construction project of GSTEEL that has not made any progress

Company has already partially estimated in 2016. Whereby, these additional debtors are overdue accounts receivable and in request for payment extension process, thus the additional debt overdue exceeded 181

estimated additional doubtful accounts for the remaining outstanding balance. Overdue - Overdue 91-180 days amount 6.71 million Baht - Overdue 181-365 days amount 173.72 million Baht - Overdue 365 days amount

increased downside risks from external factors such as uncertainty in the U.S. economic policies may affect international trade, the slowdown of the Chinese and the EU economies and etc. According to the Bank

private consumption and total investment were constantly expanding. However, Thai economy still faces external risk such as U.S. monetary and trade policy and global economic uncertainty. As of August 31

2018 primarily due to the US-China trade war and global uncertainty contributed negative impact on export growth. The growth of credit card business in Thailand continue expansion due to overall economic

receivable which was overdue by 6-12 months was THB 211.96 million, it has been Baht Million 31-Dec-17 30-Sep-18 +/(-) +/(-)% Assets Cash, Cash equivalents and current investments 925.49 129.20 (796.29) (86.04

public consumption and private investment were constantly expanding. However, Thai economy still faces other risk such as The U.S.-China trade war, global economic uncertainty and domestic political

slowed down. In addition, Thai economy still faces external risk such as trade war between US and China and global economic uncertainty. As of August 31, 2019, the Company’s total cards reached 8.75

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