continued to decline. As of May 31, 2017, the Company’s total cards reached 7.87 million cards (including 2.40 million credit cards and 5.47 million member cards), net increasing by 59,000 cards from February

which may affect international trade and exchange rate fluctuation. According to the Bank of Thailand data, at the end of December 2017, reported the total numbers of credit card industry amounted to 20.3

of Thailand data, at the end of December 2016, reported the total numbers of credit card industry amounted to 23.2 million cards, has grown by 6% more than last year. Credit Card Receivables was

เช่น พันธบัตร หุ้นกู้ ตั๋วสัญญาใช้เงิน บัตรเงินฝาก Letter of Credit และ Letter of Guarantee เป็นต้น 3. เงินให้กู้ยืมคงค้าง (margin loan) จำนวนเงินที่ลูกค้ากู้ยืมจากบริษัทหลักทรัพย์เพื่อซื้อหลักทรัพย์ 4

NAWARAT PATANAKARN PUBLIC COMPANY LIMITED NCL INTERNATIONAL LOGISTICS PUBLIC PUBLIC COMPANY LIMITED NEO CORPORATE PUBLIC COMPANY LIMITED NEP REALTY AND INDUSTRY PUBLIC COMPANY LIMITED NET BAY PUBLIC COMPANY

(FVPL)  Impairment of financial assets based on an expected credit loss (ECL) framework with financial assets classification into 3 stages. Stage 1: financial assets where the credit risk has not

PUBLIC COMPANY LIMITED CRD: CHIANGMAI RIMDOI PUBLIC COMPANY LIMITED CREDIT: THAI CREDIT BANK PUBLIC COMPANY LIMITED CSC: CROWN SEAL PUBLIC COMPANY LIMITED CSP: CSP STEEL CENTER PUBLIC COMPANY LIMITED CSR

welfare, Tax deduction for domestic tour package and shopping. As of November 30, 2017, the Company’s total cards reached 8.06 million cards (including 2.48 million credit cards and 5.58 million member

the responsible person of such scheme. “ credit rating ” means the credit rating by a credit rating agency accepted by the SEC Office which estimates the capability to make repayment under instruments

the responsible person of such scheme. “credit rating” means the credit rating by a credit rating agency accepted by the SEC Office which estimates the capability to make repayment under instruments or