necessary and appropriate, the arbitrator may request the opinions on the dispute from relevant organizations, or may seek approval from the parties to have an expert to give opinions on the dispute. An

The Company had recorded net gain from write-off expired legal prescription of debts for year 2018 amounted to THB 119 million according to the resolve approval from the Company’s Board of Directors on

expired legal prescription of debts for year 2018 amounted to THB 119 million according to the resolve approval from the Company’s Board of Directors on 9th and 19th November 2018. 5. Performance of the

lenders to conduct information-based lending wherein other reliable factors can be used for loan consideration and approval.  Revise requirements for establishing credit limit of personal loan under

the EXAT. It is pending to the EXAT proceeding according to the procedures to the Cabinet for the approval. 4. The reclassification of the investment in TTW Public Company Limited (TTW) During the

customer approval criteria for commercial lending policies vis-à-vis small and micro businesses. Focus has been on formulating area- based lending strategies to match the different natures of businesses in

interest-bearing debts to shareholders’ equity ratio of 0.6 time, up from 0.5 time, respectively. However, the Group is currently under the bond approval and issue process, should the entire process have

subject to shareholders meeting approval on 5 July 2018.

shelf approval ได และยื่น filing เปนโครงการได เพื่อใหการขาย แตละครั้งทําไดสะดวก รวดเร็ว สําหรับ DW ที่มทีรัพยสินเปนประกันเต็มจํานวน ยังคงตองพิจารณา การโอนทรัพยสิน จึงยังใหยืน่เปนรายครั้ง 1.4

stringent customer approval criteria for commercial lending policies vis-à-vis small and micro businesses. We continued to prioritize risk assessment through prudent screening and close monitoring of