statement of larger fonts, or mark or be done by other methods to highlight such statement for the client to acknowledge the followings: (1) the risk caused by fluctuation of value of securities or collateral

increased by 17.63 percent. (5) Debt Obligation The Corporate Group has policy to mitigate risk from interest fluctuation by taking long-term loan with fixed interest rate. Accordingly, as at June 30, 2019

year increased by 17.53 percent. (5) Debt Obligation The Corporate Group has policy to mitigate risk from interest fluctuation by taking long-term loan with fixed interest rate. Accordingly, as at

increase in annualized interest on loan payment of 4.44 percent. (5) Debt Obligation The Corporate Group has policy to mitigate risk from interest fluctuation by taking long-term loan with fixed interest

YoY due to lower demand during pandemic in 2Q20. Revenue from interconnection charge (IC) and TOT partnership reported at Bt13,722mn, increasing 1.2%YoY mainly from fluctuation of interconnection charge

mark or be done by other methods to highlight such statement for the client to acknowledge the followings: (1) the risk caused by fluctuation of value of securities or collateral which may lead the

$% ก. 6 "h$ . 'ก 1 4$%กก 3.13.1.9 4ก8 1 '7* 31 +&0 ()"36 31 ก:> (( (fluctuation) 0 * 4 ก 4$$̂>+ 4 $% ก 0(6(6'ก 31. 6 'ก 43 .2#1 mก $ mก s*ก 3s >>4+ 4+6 1ก (( ก6 '86ก 0 3.13.1.8

digital clients so they can increase their revenues and reduce customer servicing costs. V3 22/02/62 14:27 น. 3 Thai Banking Industry in 2019 Global economic growth is likely to be slow and uncertain, while

assets to another business or changing the financial instrument with the financial instrument of other business subjected to condition causing a loss to the business. 18. Provision means uncertain

uncertain liabilities related to the period or payable amount. The company is able to estimate respectfully such liabilities value and being an encumbrance has an opportunity to cause a business loss economic