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

, 2017, the Company and its subsidiaries have a total liability of 646 MB increased from March 31, 2017 for 13 MB and having overdrawn amount 32 MB and account payable or creditor decreased 7 MB and settle

amount 1 MB and account payable or creditor decreased 5 MB and settle the long-term loan to the financial institute decreased 75 MB and decreasing of the pending of tax income by 3 MB and other liabilities

decreased 17 MB and settle the long-term loan to the financial institute decreased 66 MB and decreasing 5 MB from the current liabilities, decreased of the employee’s benefit obligation 2 MB and decreased 48

have a total liability of 442 MB decreased from December 31, 2017 for 101 MB and having overdrawn amount 37 MB and account payable or creditor decreased 17 MB and settle the long-term loan to the

overdrawn amount 31 MB and settle the long-term loan to the financial institute in 1 year decreased 2 MB and increasing 4 MB from Income Tax Payable, decreased of the other liabilities 1 MB  Shareholders

having overdrawn and the short- term loan decreased 93.9 MB and account payable increased 24.3 MB and settle the long-term loan to the financial institute in 1 year decreased 3.1 MB and increasing 3.3 MB

หรือส่วนต่างของราคาสินค้า (settle by cash) หรือทำการหักกลบลบหนี้กับคู่สัญญาอีกฝ่ายหนึ่ง (set-off) แทนการส่งมอบสินค้าได้ และ           (ค) ธรรมเนียมปฏิบัติในการทำ

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

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