first quarter ended March 31, 2020 with those of 2019. This report discusses principal changes in the reviewed consolidated financial statements. Changes in Financial Reporting Standards The financial

of business operation and financial statement from January 1, 2020 is under Financial Reporting Standard No.9 RE: International Financial Reporting Standard 9 (IFRS 9) and 16 RE: Leases as effective

, the Company provided new financial reporting standards. During the present year, the Federation of Accounting Professions issued new several volumes of the Financial Reporting Standards and

who previously recorded the losses from allowances for expected credit losses that it from assessments in accordance with financial reporting standards on financial instruments. In addition, the

position for the first quarter ended March 31, 2020 with those of 2019. This report discusses principal changes in the unreviewed consolidated financial statements. Changes in Financial Reporting Standards

adoption of new financial reporting standards, the acquisition of a new subsidiary and the depreciation of the Thai Baht that affected the value of Company’s overseas assets • Net debt to equity ratio at the

financial reporting standards applicable for financial statements covering the accounting period starting from or after Januaury 1, 2020 such as financial reporting standard no. 16 (TFRS16: Leases) and

. And from the adoption of the financial reporting standards regarding Financial tools for accounting, hedging and derivative accounting with the amount of 4.62 million baht and allowance for loss of

adopting new Thai Financial Reporting Standards (TFRS), TFRS No.9: Financial Instruments and TFRS No.16: Leases, in the current period financial statement by adjustment in brought-forward retained earnings

Financial Reporting Standards relating to financial instruments This year, the Bank and its subsidiaries have adopted the pack of Thai Financial Reporting Standards relating to financial instruments issued by