summarized as follows: (1) Pre-payment fee for SME and personal loans under installment plan: Calculation of pre- payment fee shall be based on the outstanding principal and period for exemption of pre

& Calpis grew 1.5% YoY and above market growth. C-Vitt became #1 brand in functional drink with market share of 23.3% in Q3’18 from 16.9% in Q2’18. Domestic Personal Care grew 9.1% YoY. At constant FX

Asset 2.14 0.5% 3.01 1.4% 0.87 40.7% Non-Current asset 587.39 47.9% 635.36 49.3% 47.97 8.2% Total Asset 1,225.98 100.0% 1,276.51 100.0% 50.53 4.1% Liability Current liability 77.35 6.3% 85.75 7.6% 8.40

million and increase in property, plant and equipment by Baht 15.99 million, due to the investment in machinery of new production lines. 2. Total liability, the company had total liability as at September

small and micro businesses, KBank deploys credit scoring as a credit approval tool, focusing on verification of income and liability 13 information of each customer. We have also focused our efforts on

358,413 million baht, with the growth of 6% from the same period last year. For personal loan industry, the numbers of account of personal loan under supervision amounted to 13.7 million accounts, 6% more

than last year. Credit Card receivable was 418,747 million baht, with the growth of 6% from the same period last year. For personal loan industry, the numbers of account of personal loan under

from contraction of export sector as global consumer demand weakened. The tourism sector and private consumption grew at a slower pace. On the other hand, the personal loan of commercial banks and

business is operated under the management of JMT Network Services Public Co., Ltd., Property development is performed under the operation of JAS Asset Public Co., Ltd., Personal loan business is operated

Transactions Act B.E. 2544 (2001), etc.; and 8. The Applicant has studied, acknowledged and understood the Personal Data Protection Policy for internal administration (as disclosed on the SEC Office’s website