recent trends in production, sales and inventory and costs and selling prices since the latest financial year. The issuer also should discuss, for at least the current financial year, any known trends

trends, changes in market/industry environments, and internal factors such as policies, strategies, management, changes in business agreements with potential impacts on the operation, as well as other

of potential factors or incidents that may materially affect the financial condition or the operating results. This includes both external factors such as economic trends, changes in market/industry

Standards (IFRS9) in 2020.  Emerging Risks Over the next five years, the Thai banking system will face numerous challenges. Aside from impacts on economic and business trends, they may affect the commercial

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

แบบแสดงรายการขอมูลการเสนอขายตราสารหน้ี (รายครั้ง) (แบบ 69-DEBT-PO-GOV.AGENCY) บริษัท........... (ช่ือไทย/อังกฤษของผูเสนอขายตราสารหน้ี) ............. เสนอขาย ......................................................................................................................... ......................................................................................................................... ....................................................................................................

resulted from customer behavior and technology changes. CSL Group is coping with new technology trends and customer behavior changes by focusing on selecting/developing new content to provide a variety of

economic and business trends, they may have direct and indirect effects on the commercial banking business. In detail: 1. Cyberattacks: As technological advancements are taking place, financial institutions

overall condition and trends of the business of procuring benefits from invested real estate including factors that will affect the stream of rental income of the REIT. 7. Structure and operation of the