continued to decline. As of May 31, 2017, the Company’s total cards reached 7.87 million cards (including 2.40 million credit cards and 5.47 million member cards), net increasing by 59,000 cards from February

which may affect international trade and exchange rate fluctuation. According to the Bank of Thailand data, at the end of December 2017, reported the total numbers of credit card industry amounted to 20.3

of Thailand data, at the end of December 2016, reported the total numbers of credit card industry amounted to 23.2 million cards, has grown by 6% more than last year. Credit Card Receivables was

เช่น พันธบัตร หุ้นกู้ ตั๋วสัญญาใช้เงิน บัตรเงินฝาก Letter of Credit และ Letter of Guarantee เป็นต้น 3. เงินให้กู้ยืมคงค้าง (margin loan) จำนวนเงินที่ลูกค้ากู้ยืมจากบริษัทหลักทรัพย์เพื่อซื้อหลักทรัพย์ 4

(FVPL)  Impairment of financial assets based on an expected credit loss (ECL) framework with financial assets classification into 3 stages. Stage 1: financial assets where the credit risk has not

รถในกำรช ำระหนี ้(Default หรือ Credit Risk) เน่ืองจากกองทุนหลกัสามารถลงทุนในตราสารหน้ีทั้งท่ีมีการจดัอนัดบัความน่าเช่ือถือในระดบัท่ีสามารถ ลงทุนได ้และตราสารหน้ีท่ีมีการจดัอนัดบัความน่าเช่ือถือต ่ากว่า

this page is providing the translation version of tender offer forms which are on voluntary basis. It does not contain all tender offer transactions. In order to find all transactions (in Thai) , Please

welfare, Tax deduction for domestic tour package and shopping. As of November 30, 2017, the Company’s total cards reached 8.06 million cards (including 2.48 million credit cards and 5.58 million member

-term Short-term Long-term Short-term Long-term Short-term Investment Grade Highest Credit Quality - exceptionally strong capacity for payment of financial commitments AAA A1+ A1 A2 A3 Aaa P1 P2 P3 AAA F1

date, collateral and other significant terms such as the right to put and call options and borrowing criteria, and the latest credit rating of such debenture or bill, or the issuer rating or the