19.56 percent of the total assets with 87.38 percent not yet due for payment. The Corporate Group has established policy for setting provision or allowance for doubtful debts which is based on the

assets to ensure their resilience to liquidity shocks. Factors Affecting Banking Industry Performance Thai commercial banks may encounter challenges from rapid changes in government policies and in the

due to the allowance for doubtful accounts from debtors. However, the Company has improved its operations as details below. 1. Quality customer selection, the Company has revised the credit approval

charge of Baht 13 million to adjust the retirement benefits in accordance with the latest changes in Labor Protection Act. A plot of land, non-performing assets had been sold in December with a net gain of

million Baht; this amount included by the FX gain of 86 million Baht and deducted by 2.1 An allowance for doubtful debts of 3BB of 59 million Baht; 2.2 An allowance for debts from the rehabilitation plan of

., Ltd. (engage in business of Rubberwood Sawn Timber) and Fancy Assets Co., Ltd. (engage in business of real estate) with total income increase of 67.25 million Baht and 107.31 million Baht respectively

and buildings in Bangpoo Industrial Estate 1.5) Revenue from Real Estate Development decrease THB 2.20 million. 1.6) Gain of assets decrease THB 163.84 million due from to the last year the Company sold

254.34 100.00 234.11 100.00 Remark; ( * ) Other income consist of supporting money from software developers, gain from exchange rate, interest income, gain from sale of fixed assets and gain on investment

Total Revenues 380.51 100.00 349.22 100.00 Remark; (* ) Other income consist of supporting money from software developers, interest income, gain from sale of fixed assets and gain on investment etc. T.662

Assets 206.21 - - Other 9.31 7.27 Ramkhamhaeng has profit from reverse the entry Allowance for doubtful accounts Loans receivable and Accrued Interest receivable from Muang Loei Ram in the amount of 91.56