Company has recorded an allowance for expected credit losses (Allowance for doubtful accounts) for receivables overdue in accordance with the Thai Financial Reporting Standards No. 9 “Financial Instruments

Service Plc. 8 Glossary Subscriber Number of registered SIM at ending period whose status is not defined as churn Postpaid churn Subscribers whose payment status is overdue more than 60 days from due date

uncertain environment including it has always changed. The consumer has had the existed burden of household liability in high level bring to decelerate the purchase by choosing the needful product and

whether the nature of the estimate or assumption is material because of the subjectivity and judgment required to account for highly uncertain matters, as well as whether the estimate or assumption will

election, which is expected to take place early of 2019. Thai Banking Industry Although the commercial banking system in Thailand is facing challenges from an uncertain economic environment, its lending and

monitoring given that general elections are expected to take place in early 2019. Thai Banking Industry The commercial banking system in Thailand continues to face challenges from an uncertain economic

Thailand. The Bank of Thailand revised down the projection of overall economy for 2020 to contract 7.8% (as of September 2020) from the earlier forecast of 8.1%. But the fragile labor market, uncertain

continued to contract, especially investments in machinery and capital goods. The delays in business investment were attributable to weak demand and concerns over the uncertain economic outlook in the period

highly uncertain situation. V2 27/08/63 5 Operating Income and Expenses of the Bank and its Subsidiaries Million Baht Quarter Change (%) H1 Change 2/2020 1/2020 2/2019 1/2020 2/2019 2020 2019 (%) Net

to resolve the long time overdue debts and seeking sufficient working capital in order to support the business operation. - The facility of Company is considered as the state-of-art steel mill and the