investors and other users of credit ratings can understand how a credit rating was determined by the CRA. 3.3 A CRA should disclose a material modification to a credit rating methodology prior to the
3,386.7 558.7 16.5 Total assets 238,906.6 230,548.3 8,358.3 3.6 Loans to Customers As of 30 September 2020, the bank had loans to customers net of deferred revenue and modification gain or loss from the new
periodical offers, the investor selection, the change of name list and number of allotted shares, the modification of allocation details, including the authority to determine any other detail relating to such
deferred revenue and modification gain or loss include interbank and money market items Table: Loans to Customers Classified by Type of Business (Unit: Million Baht) Loans to customers classified by type of
financing cost was 30.66 Million Baht, which increased by 25.25 Million Baht, or up by 466.73% from the previous year. The result was mainly due to more ready-to-move-in projects in the company which causing
mainly due to more ready-to- move-in projects in the company which caused the interests to be booked as a financing cost rather than in the cost of real estate sales. Net Profit In the third quarter of
because the income from sale has decreased from 13,855.41 million THB to 8,719.77 million THB or 37.07%. The majority of the income derived from ready-to- move-in projects, accounting for 72% of the income
the Company and subsidiary companies increased 17.32% and 0.60% respectively, most of which was the income recognition from ready-to-move-in projects and recognition of one project completed in Q1/2019
industry. The impacts on the Company are worse than others because the majority of income and sales volume of the Company during the first 9 months derive from sales and ownership transfer of ready-to-move