Industry and Competition 2 1.3 Regulatory Changes 2 2. Risk Management and Risk Factors 5 2.1 Credit Risk Management 5 2.2 Market Risk Management 5 2.3 Liquidity Risk Management 6 2.4 Cyber Risk Management 6

Business Operations 2 2. Risk Management and Risk Factors 4 2.1 Credit Risk Management 4 2.2 Market Risk Management 4 2.3 Liquidity Risk Management 5 3. Business Directions and Operations of Core Businesses

within the set target. In this quarter, our credit cost stood at 1.58 percent, lower than 1.81 percent in the previous quarter and 1.72 percent in the same period of last year. At the same time, our

million cards (including 2.68 million credit cards and 5.95 million member cards), the net increasing of 110,800 cards from February 28, 2019. Covering networks nationwide, the Company has 105 branches

million cards, increased by 3% from the end of fiscal year 2018 (including 2.75 million credit cards, increased by 5% from the end of last year and 6 million member cards, increased by 2% from the end of

managed by ONE Asset Management Limited (the Company’s subsidiary), and an increase in the Company’s sales agent fees from sale of investment units. 1.3 Interest on margin loans The Company’s interest on

0.4% increase compared to 2016, fee and service income came mainly from mutual fund management fees, registrar and custodian fees and private fund management fees from ONE Asset Management Limited (The

81 percent of total assets. Compare with previous year, the Company total asset increaser 1,778.4 million Baht or 21.3 percent increase. The major components of an increase were the Credit from

life. Company Financial status 1. Total asset, the company had total asset as at December 31, 2018 with amount of 886.35 million bath increase from December 31, 2017 by 127.51 million baht or 16.80

the Company through the juristic persons under the control of SSG CH, SSG III, and KG, i.e. Asia Credit Opportunities I (Mauritius) Limited (“ACO I”) and Link Capital I (Mauritius) Limited (“Link