THB 155.82 million. Mainly due to decreased in allowance of doubtful debt by THB 11.72 million net offsetting with increased in roadshow and press conferences to investors by THB 3.1 million and

of Thailand. "registered debt securities" means debt securities registered with the Thai Bond Market Association that is licensed and registered with the SEC Office. “Thai Bond Market Association

an approval to issue and offer shares in such manner; (2) financial statements of a foreign business applying for issuance and offering of debt instruments in compliance with the following

เปนไปตาม หลักเกณฑท่ีกําหนดใน (1) (2) (4) (4/1) หรอื (4/2) แลวแตกรณี หรือหากเปนการยื่นแบบแสดงรายการขอมูล ครั้งตอไปตามแบบ 69-PRICING แบบ 69-PRICING-FD หรือการยื่นแบบแสดงรายการขอมูลตาม แบบ 69-DEBT

expenses 2,060,064 1,767,737 292,327 16.5 Impairment loss on loans and debt securities 433,670 167,093 266,577 159.5 Profit from operating before income tax expenses 1,844,833 1,868,124 (23,291) (1.2) Income

operating expenses 2,060,064 1,767,737 292,327 16.5 Impairment loss on loans and debt securities 433,670 167,093 266,577 159.5 Profit from operating before income tax expenses 1,844,833 1,868,124 (23,291

(2,240.7) Other expenses 400,848 435,315 (34,467) (7.9) Total other operating expenses 2,462,203 2,060,064 402,139 19.5 Impairment loss on loans and debt securities 484,520 433,670 50,850 11.7 Profit from

confidence coupled with the already high household debt level. Nevertheless, the non-durable goods increased partly from the rush in purchase of consumers goods due to the concerns on the COVID-19 outbreak

declined from the contractions in vehicle sales in line with the weakened household income from lower income, employment and consumer confidence coupled with the already high household debt level

by temporarily prepaying loan, resulting in decrease in interest-bearing debt. In addition, interest rate of interest-bearing debt also decrease from last year. Net profit for Q4/2020 compared to Q3