borrowers, and remained vigilant on risks. Meanwhile, we mainly targeted borrowers with good track records or existing low-risk customers, while giving greater weight to digital lending. 2.2 Market Risk

re: Board of Directors and the Article 31 under Chapter 6 re: Meeting of Shareholders. The details of which are as follows: The Company’s Articles of Association Current Items New/Revised Items Chapter

tires and tubes from NDR and sell products in Malaysia that are existing customers of FKRMM which support to NDR’s core business. In addition, CRSB, which is the current shareholder of FKRMM and will

), published in the Government Gazette on October 18, 2017, and effective April 19, 2018, consolidates provisions of laws concerning the three existing payment systems of Thailand under the supervision of the

costs - Existing businesses 4.80 8.82 (4.02) -45.60% Finance costs - Solar energy 8.64 9.29 (0.66) -7.06% Profit before income tax 26.72 18.71 Income tax expense 2.41 1.42 Profit for the year 24.30 17.29

acquisition of FKRMM's shares is a transac been a customer of NDR for more than 10 years, and in Malaysia with 4 distribution warehouse FKRMM,NDR’s profit will immediately share and retain the existing

contacted universities and business operators who support the project and they can present solutions to that topic. Thai Fintech Association believes that the incubation will help build up startups and grow

NMG current and former executives/directors for manipulating the company’s income statement financial statements via the Electronic Information Transmission System of the Stock Exchange of Thailand (SET

the entire ordinary shares of Leyland Company Limited (“Leyland”) from its existing shareholders of Leyland by Fancy Asset Company Limited (the “Subsidiary”), the subsidiary of the Company. The Company

investment, and the Company shall, then, seek for investors who are interested in the project. At present, the current management, representing the existing shareholders, has been the operator to find