a contraction in overall vehicle sales. Other personal loans and credit card loans decreased in tandem with a decline in private consumption growth. Looking forward, financial institutions expect

moderately from the previous quarter in tandem with the housing loan growth after loan to value (LTV) measure. Auto loan and personal loan continued to expand consistent with increased domestic demand. However

Vietnam; and personal care products, products from the Company's joint venture partner in Indonesia, both of which will be launched into the market in September. However, the Company’s new products launch

gifts exceeding a minimal monetary value. 2.17 A CRA employee who becomes involved in a personal relationship (including, for example, a personal relationship with an employee of a rated entity, obligor

Installment Value as per contract* (Baht in Million) Housing Loan 472 831.67 Corporate 16 599.66 SME 13 340.21 Personal Loan 46 102.87 Total 547 1,874.41 2. NPAs Installment sales 122 81.54 * Outstanding loan

340.21 Personal Loan 46 102.87 Total 547 1,874.41 2. NPAs Installment sales 122 81.54 * Outstanding loan installment value includes outstanding loan as per restructured agreements 5.2.2 Purchase of NPLs

. Demand for other personal loans also decreased. Going forward, financial institutions expect increasing demand for business credit, especially from small and medium sized businesses in construction

Vietnam. Overall SSSG in hardline segment decreased, primarily due to declines in overall customer spending in Thailand, particularly product in categories like home entertainment, where Power Buy is

cells and equipment for solar energy project from foreign countries. Selling expenses decreased by Baht 0. 91 million due to the reduction of New Year gift baskets and entertainment for customers

revenue. Selling expenses contain personnel related expenses, travelling, entertainment and office supplies, etc. Major portion of selling expenses is personnel related expenses which are mostly for salary