debtors’ lower ability to repay debts which was consistent with the lower quality of credit in the financial institution system. The total amount of non-performing loans in Thailand increased from Baht

front, the lower employment rate and high household debt causing most of the financial institutions to offload their NPLs and NPAs for asset management companies (AMCs) to manage further. The competition

means, in addition to the multi-tiered agent system, cash van strategies distribute our products directly to a number of traditional trades, of which the Group has continuously collected data and

involved in a credit rating committee. garding the creditworthiness of an entity or obligation, expressed using an established and defined ranking system. to determine an initial credit rating, an upgrade of

employment and thin income would be a major obstacle for Thai economy in the next phase. For the banking sector in the third quarter of 2020, the commercial bank loans benefited grew from big corporate and

operations or significantly reduce employment. 3. More-severe-than-expected impact of the drought could affect farm income For banking sector in the first quarter of 2020, commercial bank loan expanded at a

employees who worked for an uninterrupted period of twenty years or more and their employment were terminated due to retirement. This caused a onetime expense in the amount of THB 39.60 million in Q2 2019. As

termination pay of 400 days of the last wage earned, which increased from 300 days of the last wage earned, when their employment was terminated. Also, in 2019 the high utility costs were because the Company’s

utilization of ‚working capital‛ to cover the investment fund for website and software system development. 3) Using the number of ‚net cash flows from operating activities‛ which is the number audited by the

securities company has prescribed securities company to have efficient internal control system, adequate securities system that is adequate for preventing unauthorized person to know or amend information