consolidated financial statements, it was found that in 2019 the Company had gross profits from a consolidated financial statement equal to 1,413.0 million Baht or equivalent to 56.0 percent, which was lower

Outlook for 2018 1 1.2 Banking Industry, Competition and Emerging Risks 2 1.3 Regulatory Changes 5 2. Risk Management and Risk Factors 8 2.1 Overall Risk Management 8 2.2 Risk Management 11  Credit Risk

changed in line with the same direction of the increased in revenue. When comparing Q2- 2022 to Q3- 2021, it found that the change rate of operating expenses is very similar to the change rate of revenue

Changes 5 2. Risk Management and Risk Factors 8 2.1 Overall Risk Management 8 2.2 Risk Management 12  Credit Risk Management 12  Market Risk Management 15  Liquidity Risk Management 16  Operational Risk

) “ ” “ derivatives” 1. derivatives 2. derivatives “ CIS” 1. 2. CIS “ ” 270 “B/E” (Bill of Exchange) “benchmark” “CIS operator” 1. . 2. CIS “concentration limit” “counterparty limit” “CRA” (Credit Rating Agency) 5 5

2019, SEC found that non-investment grade bonds and unrated bonds take up 6 percent of all private bonds. The overall number of bond issuers had decreased in comparison to 2018, more than half of the

instruments of which the credit was not rated and found defects in consideration of important information or factors with respect to the issuer, and this affected its capability to repay the principal and

Following an inspection report from ttb Bank and the SEC’s further investigation, it was found that during the years 2015 – 2024 Sareerat acted in a manner that implied dishonesty and committed

found that the terms under the Credit Agreement are reasonable and are not less favorable the terms under other financial agreements of the Company in the past. As such, the Board of Directors has

ที่ กบร No. Kor Bor Ror. 003/2019 May 9, 2019 President The Stock Exchange of Thailand Re : Notification of the cancellation of credit guarantee to International Commercial Coordination (Hong Kong