Company also complies with the Bank of Thailand to provide the relief measurements to assist our customers by reducing minimum payment for credit card and personal loan as well as providing a grace period
from the covid-19 situation resulting in higher expected credit loss amount during 3Q20 when comparing to the same period last year. For loan portfolio, the Bank continues to focus on asset quality
certificate of deposit has been assigned investment grade credit rating according to Paragraph 2 of Clause 18/2, or the Government, or the Ministry of Finance has guaranteed the principal and interest in full
exceeding one year in accordance with the following rules and conditions: 1.1 deposit taker or issuer of certificate of deposit has been assigned investment grade credit rating according to Paragraph 2 of
supported debtors who were affected from the pandemic. Although the loan quality is likely to deteriorate, Thai banks remained sound thanks to close monitoring of credit quality, high levels of capital fund
conducted transparently and legitimately by mainly taking into account the benefits of the nation. In this regard, EXAT and the Company/the subsidiary have reached a mutual agreement to settle the disputes in
of Shareholders No.1/2019 On March 18, 2019, the Extraordinary General Meeting of Shareholders approved the Company and the subsidiary to settle the disputes with the Expressway Authority of Thailand
Industry and Competition 2 1.3 Regulatory Changes 2 2. Risk Management and Risk Factors 6 2.1 Credit Risk Management 6 2.2 Market Risk Management 6 2.3 Liquidity Risk Management 7 2.4 Other Risks Management
to settle with increasing orders from customers. Customers in Vietnam are mostly in the automotive industry, but revenue from HV is still a small proportion compared to the revenues from the Company