, the Company is required to appoint Finnex Advisory Company Limited as the Independent Financial Advisor (“IFA”) who is approved by SEC and express an opinion on the transaction Resolution of the Board

bearing debt ratio) (7) อัตราสวนหน้ีสินท่ีมีภาระดอกเบ้ียท่ีครบกําหนดภายใน 1 ป ตอหน้ีสินท่ีมีภาระ ดอกเบี้ยท้ังหมด (8) อัตราสวนเงินกูยืมจากสถาบันการเงินตอหนี้สินรวม * ในกรณีท่ี key financial ratio ราย

’ representative; (2) report of early redemption of bonds; (3) report of the key financial ratios of the approved entity on a yearly basis. Chapter 2 Offer for Sale of Debt Securities in a Private Placement

The opinions of the Independent Financial Advisor on the connected transaction (For the purpose of translation only) 0 The opinions of the Independent Financial Advisor on the connected transaction

THB 230 mn and project shall be funded by the issuance of new shares and/or loans from financial institution. After calculated the transaction size, the max size is at 46.64% which is classified as

economic situation which could affect loan quality, provisioning and guidelines for debt restructuring as commercial banks must comply with the Thai Financial Reporting Standards (TFRS9): Financial

their debt servicing ability.  Allowance for Impairment Losses KBank has set aside allowance for impairment losses based on the Thai Financial Reporting Standards criteria, taking into account

segments, we focus on creating innovations and managing financial products, as well as reinforcing our sales and service quality excellence, with greater consideration of consumer protection in order to

endeavors aim to understand and anticipate each individual customer’s needs under the “Segment of One” concept and to provide smart personalized “Financial and Life Solutions” to the right customer at the

investment period. 4 - Revise credit granting criteria, credit-like transactions or debt guarantee for directors with managing authority or related parties of companies within financial conglomerates on a solo