Substandard 15,259 11,044 5,460 3,503 4,121 1,018 Doubtful 15,881 19,035 20,884 5,597 9,296 10,608 Doubtful of loss 51,083 53,718 53,837 26,828 28,969 30,188 Total 2,022,579 2,035,802 2,088,784 52,071 58,576

37,711 45,815 490 452 591 Substandard 14,259 12,077 11,760 7,261 6,737 5,275 Doubtful 16,801 15,080 19,012 7,751 8,505 10,387 Doubtful of loss 52,437 65,092 56,681 29,017 41,044 36,471 Total 2,070,666

2018 December 2017 Normal 1,905,406 1,954,459 1,875,782 15,491 15,952 14,983 Special mentioned 37,087 32,710 45,815 572 490 591 Substandard 7,416 14,259 11,760 2,137 7,261 5,275 Doubtful 22,963 16,801

December 2019 December 2019 Normal 1,918,520 16,119 Special mentioned 67,596 848 Substandard 9,783 1,359 Doubtful 14,522 6,259 Doubtful of loss 54,901 30,087 Total 2,065,322 54,672 Add Excess allowance for

Normal 1,871,968 1,892,343 1,962,102 15,412 15,547 16,215 Special mentioned 47,660 48,013 46,501 558 596 591 Substandard 11,901 15,259 5,460 4,498 3,503 1,018 Doubtful 22,016 15,881 20,884 9,319 5,597

US, the Qatar diplomatic crisis, and the new reference rate of Yuan unveiled by the Chinese authorities, leading to strengthening of the Chinese currency and other Asian currencies. These risks caused

. 2475 (1932), and the Local Development Tax Act, B.E. 2508 (1965), which were deemed unsuited to the present circumstances, leading to social inequality. The new law came into force on March 13, 2019

Community (AEC), and the advancing digital age amid the rapid pace of technological advancement, thus leading to changing customer behavior, regulatory changes and life platform-driven competition. Given the

consumption across the world, attributed to the COVID-19 outbreak. Furthermore, domestic demand for fuel consumption declined leading the refinery to lower its production level to an optimal levels, average

solar cell implementation service from Combine Heat and Power Producing Company Limited (CHPP) as well as the increase in maintenance cost leading to a fall in gross profit. The gross profit of the