Conservation Policy as guidance for contributing to efforts to mitigate the impacts of climate change by reducing greenhouse gas emissions caused by our operations and by creating products and services that

increase of THB 653 million, due to the appreciating THB, resulting of the change in foreign exchange of trade account payable and foreign currency loans. 8. Losses from impairment asset THB 1,518 million

1 แบบแสดงรายการขอ้มลูการเสนอขายหลักทรัพย ์ (แบบ 69-ASEAN) แบบแสดงรายการขอ้มลูการเสนอขายหลักทรัพย ์ กรณีบรษัิทไทยเสนอขายหลักทรัพยใ์นไทยและประเทศกลุม่อาเซยีนพรอ้มกนัหรอืในเวลาใกลเ้คยีงกนั Registration Statement for Thai-incorporated Company to offer for sale of securities in Thailand and ASEAN member country simultaneously or in proximate period (ชือ่บรษัิททีเ่สนอขายหลักทรัพย)์ (Commercial Name of the Issuer) - ใหร้ะบลุกัษณะทีส่ าคญัของหลักทรัพยท์ีเ่สนอขาย เชน่ ประเภทหลกัทรัพย ์จ านวน ราคาเสนอขายต...

expected credit losses Baht 1,298 million. Such change due to financial asset modification on terms of expected credit losses for “ loans purchased of receivables” Baht 1,292 million ( which is comprised of

ended March 31,2020, the Company recorded a total expected credit losses Baht 1,298 million. Such change due to financial asset modification on terms of expected credit losses for “ loans purchased of

- net 4,744.9 4,337.7 407.2 9.4 Total assets 240,713.1 240,084.8 628.3 0.3 Loans to Customers As of 31 March 2021, loans to customers net of deferred revenue and modification gain or loss from the new

requirements to be fully enforced in 2019, as well. These new standards may eventually affect provisioning expenses, risk calculation and capital maintenance of commercial banks. All of these factors may change

training to develop the skills of their employees. (2) Consumers will change the value and nature of their consumption patterns. Normally, people consume less as they get older but products and services that

Thai Baht currency value of the transaction on the date of entry into the transaction or on each agreed payment instalment date of the agreement may be subject to change and may increase or decrease

* G. Consequences of a failure to make payments * H. Representative of debt securities holders ม.70 (4) ผูแทนผูถือหุนกู (ถามี) I. Meeting of debt securities holders * J. Modification of Terms * K