aiding or abetting thereof; (b) an offence regarding documents or accounts such as falsifying documents, using or referring to falsified documents, informing the competent officer to record false

employees’ accounts or the accounts for which the employees are authorized to make an investment ; (2) being able to prevent the employees from using inside information they have become aware of as a result

MB, representing an increase of 33.6% mainly due to the recording of deferred tax assets from allowance for expected credit losses of accounts receivable and the fair value adjustment through profit or

the growth in sales of dessert cafés, which accounts for the largest share of revenue. The growth in sales of dessert cafés was mainly due to the improving COVID-19 situation and the recovery of

Accounts Receivable Total Assets Total Borrowing Total Liabilities Equity Attributable to Owners of the Parent 93,937 95,207 66,055 71,859 22,821 93,969 94,946 64,836 70,717 23,636 0.03% (0.3%) (2%) (2%) 4

: Million Baht %YTD Accounts Receivable Total Assets Total Borrowing Total Liabilities Equity Attributable to Owners of the Parent 93,937 95,207 66,139 71,859 22,821 93,894 94,333 64,883 70,014 23,705 (0.05

accounts at a prudent level. This is in line with the Bank’s conservative business management approach under both normal economic conditions and recession. The Bank’s financial position remained healthy with

current accounts for the highest efficiency in cost management. We are therefore continuously monitoring and analyzing the course of events. Subject to our regular reviews and improvements in liquidity risk

of lending of money for purchasing securities to all of its customers after deducting allowances for doubtful accounts at the end of any day shall not exceed five times of its capital fund. 43 Lending

12 79 (1,918) *Total of various accounts may not match with the grand total due to decimal round off 1 Includes net proceeds from disposals of PPE, other non-current investments and assumed net debt on