Management and Risk Factors 8 2.1 Overall Risk Management 8 2.2 Risk Management 11  Credit Risk Management 11  Market Risk Management 15  Liquidity Risk Management 17  Operational Risk Management 18

) Pte. Ltd Company WICE Logistics (Singapore) Pte. Ltd Established date 5 January 2002 Head office 119 Airport Cargo Road, #02-03/04 Changi Cargo Agents Megaplex 1, Singapore Capital The company has a

considering the level of provisions taking into account the prolonged uncertainties from the COVID-19 and recorded total expected credit loss amount for 1Q21 at Baht 1,234 million. The Bank placed importance on

air cargo management. For three months For the three-month periods ended March 31, 2018 and March 31, 2017, the Company and its subsidiaries recorded Baht 160.31 million and Baht 106.90 million, an

loyalty fee, rental fee, construction fee, decoration fee, equipment fee, and other expenses relating to the Project; Hero Experience has entered into credit facilitie agreements on May 23, 2018 with the

, equipment fee, and other expenses relating to the Project; Hero Experience has entered into credit facilitie agreements on May 23, 2018 with the Siam Commercial Bank Public Company Limited with the total

between AEON Thanasinsap (Thailand) PCL and AEON Specialized Bank (Cambodia) Plc (“ASB Cambodia”) with AEON Credit Service Systems (Philippines) Inc (“AEON Systems”): Company Transactions Date of agreement

baht bonds to (i) obtain an issue rating not lower than investment grade* from an international credit rating agency established under foreign law, (ii) appoint the bondholder representative, and (iii

by commercial banks and  banks established under specific laws, but limited to those with investment grade* credit rates or support rating**, as the case may be, including government-guaranteed banks

, total investment, and a robust export growth. As of May 31, 2018, the Company’s total cards reached 8.24 million cards (including 2.52 million credit cards and 5.72 million member cards), net increasing