104.23 27.33 152.49 Above/(below) average (2006-2017) 18.97 1.31 6.78 10.74 (1.67) 45.91 4. SIGNIFICANT EVENTS As of 12 July 2018, TRIS Rating affirmed the company rating and senior unsecured debenture
and electronic sector, while non-durable goods sector was marginally increase. Domestic demand slowly improved in all sector as regular income. As a result, domestic industries expanded and business
with probable forward looking macroeconomic factors. The Company has also set additional management overlay for customers in the relief program of COVID-19 at the amount of 1,016 million baht. The non
performance of the organization. In 2021, the Company is preparing to offer senior unsecured bond for sale with the tenor of 3 years and fixed interest rate at 3.95% per year. The interest is to be paid every 3
declined from the end of last year, while the ratio of non-performing loan (NPL) to total loans increased from the end of 2019. The BOT’s Senior Loan Officer Survey indicated that in the first quarter of
corresponding period of the previous year, mostly from revenue from Big Lot of Trading which was a non-regular transaction decreased Baht 854.14 million, together with the decrease of regular transactions of
probable forward looking macroeconomic factors and also set additional management overlay in the previous quarter. The non- performing loan ratio was 3.88% slightly increased from the previous quarter due to
interest rate swap contracts to hedge its debt. However, the Company has unused unsecured revolving credit facilities as of February 28, 2021 totaling 3 billion baht and unused uncommitted facilities with
conditions. In the first quarter of 2021, the Company started the operation of life and non-life insurance brokerage business to be in line with customers’ lifestyle, increase efficiency and reduce operation