proceedings pending or known to be contemplated) that may have, or have had in the twelve months immediately preceding the date of registration statement, significant effects on the issuer’s financial position

a certified public auditor and opinion of an independent financial advisor that the projections have been carefully prepared -None- 15. Pending material lawsuits or claims As of 31 December 2017, The

collection items from the NPL management business which the Company have not recognized ( such as, cash collected from auction sale pending recognition, suspended account for debt repayment, check pending

issuer or its significant subsidiaries. C. Legal Proceedings Provide information on any legal or arbitration proceedings (including any governmental proceedings pending or known to be contemplated) that

applicable law or regulation. d. With respect to a pending credit rating action, the policies, procedures, and controls should prohibit the CRA and its employees from selectively disclosing information about

not include cash collection items from the NPLs managemen t business which we have recognized (such as cash collected from auction sale pending recognition, suspended account for debt repayment, check

sale pending recognition, suspended account for debt repayment, check pending collection and suspended account for write-off). However, cash collection is not an indicator of actual cash flow of our NPLs

, and bad debt recovery. The Company ability to maintain low financial cost and a decrease in bad debt and doubtful account as well as the Company recorded extra revenue from gain on sales of written-off

and doubtful account as well as the Company recorded extra revenue from gain on sales of written-off account receivable an amount of 346 million baht in this quarter. However, the Company has set aside

69% increase in SG&A, as that of 9M17 incorporated extra expenses of totaling Bt263mn from sales and marketing for new residential projects and other non- operating items, i.e. losses from foreign