deteriorate, with the NPL ratio rising to 2.97 percent from 2.95 percent and 2.83 percent at the end of June 2017 and the end of 2016, respectively. The Bank of Thailand’s Senior Loan Officer Survey indicated
BOT’s Senior Loan Officer Survey indicated that in the second quarter of 2020, credit demand from business sectors improved from the previous quarter, due mainly to loan demand for working capital and
result. Regarding the quality of loans, the ratio of Non-Performing Loan (NPL) to total loans slightly increased from the end of 2018 to 3.0 percent. V2 12/11/62 2 The BOT’s Senior Loan Officer Survey
................................................................................................................................................................. ................................................................................................................................................................. ................................................................................................................................................................. ................
and Borrowings Classified by Type of Instruments December 2018 September 2018 December 2017 Change (%) Amount Portion Amount Portion Amount Portion September 2018 December 2017 Senior unsecured notes
in order to determine a high quality credit rating. A-7 1.12 A CRA should establish and maintain a review function made up of one or more senior managers with appropriate experience to review the
Officer Senior Vice President Of Accounting and Finance Attorney
and shareholding proportion of the connected persons Note: 1 Mr. Hideki Wakabayashi is the Chairman of the Board of Directors of AEONTS and the Director of AFS 2 Mr. Junichi Iwakami is the Senior
accordingly. Sincerely yours, (Ms. Wannee Juntamongkol)) Senior Vice President – Accounting and Finance