million due to the new labor law effective in the second quarter of 2019. As a result, it stipulated compensation for employees who have worked continuously for 20 years with their rights to receive

deposit within the period specified by the Board of Directors, the Company may arrange the Board of Directors’ Meeting to annul the approval for the capital increase to offer the newly issued ordinary

regulations, which are expected to be completed within the timeline stipulated by the Bank of Thailand. 6  Regulations for Interest Calculation and Fee Collection The Bank of Thailand issued circular No

accounting policy in recording long term loans from the related parties in relation to the sub-lease agreement from SPF. The new policy stipulated that Company provides estimated fixed rental costs and

in recording long term loans from the related parties in relation to the sub-lease agreement from SPF. The new policy stipulated that Company provides estimated fixed rental costs and variable service

terms stipulated in the Shareholders’ Agreement, with the purchase price of not lower than USD 24.65 million plus actual marginal costs (interest cost from the date of execution of the Shareholders

15, 2019, which stipulated that financial institutions can adopt technology or improve their systems or technology to accommodate their business models and in alignment with rapid technological change

stipulated that the Company has to provide estimated fixed rental costs and variable service costs that may occur throughout the sub-lease period in order to calculate the effective interest rate. Such

dividend payment stipulated in statement of cash flows divided by net profit of the preceding year 9 Interest-bearing debt to equity ratio is calculated from debt issued and borrowing divided by shareholders

recognition of long term loans from the related parties, in another word, the sub-lease agreement from SPF. The revised policy stipulated that the Company has to provide estimated fixed rental costs and