million, Brokerage revenue and Other fee of Baht 43 million 7 As of end of 1Q20, allowance for expected credit losses under TFRS 9 amounted to Baht 8,658 million with remaining excess loan loss reserve

”). 2. After the purchase of the Trade Debt in 1., the Company entered into a credit agreement dated May 12, 2017 (the “Credit Agreement”) with the loan amount of USD 41,000,000, or equivalent to THB

Exclusion of Credit Rating Agency Business from Securities Business in the Category of Securities Investment Advisory

low-risk customers. Regarding home loan, we will revise our credit policy to be consistent with the Bank of Thailand’s macroprudential measure to be implemented to preclude speculation in the real

9,000 6,110 2,934 5,189 2028 9,500 5,130 2,934 5,189 2029 2,934 5,189 2030 3,000 2,934 5,189 2031 3,000 2032 2033 3,000 * Including bridge loan for financing TTTBB’s deal. Credit Rating Fitch National

machine lending product grants a credit limit of up to Baht 1 million with no collateral or documentation required. Upon approval, the loan is credited to the borrower’s account immediately. To bolster our

of March 2019, deposits continued to expand while loans dropped slightly. Consequently, the ratio of loans to deposits declined from the end of 2018. However, loan quality was relatively stable as the

of Thailand cut the ceiling rates of interest rates on credit card from 18% to 16% per annum and personal loan from 28% to 25% per annum, effective from August 1, 2020 onwards. On the other hand, our

THB 772mn, increasing by 63.4% or THB 300mn from THB 473mn as of 31 December 2016 mainly from 1) an increase in short-term loan from financial institutions of THB 235mn to finance COMASS’s acquisition

million Baht, decreasing by 31% as compared to the same period last year of 260 million Baht. The decrease in the finance costs was from a result of loan repayment regarding the capital increase in Q1 2018