risk (Stage 3) was 5.6% decreased from 5.8% at the end of previous year, mainly from caution on new loan under the third wave of COVID-19 situation and some of the customers able to repay and accelerated

year. For default receivables in credit risk (NPL Stage 3) was 5.2% decreasing from 5.8% at the end of previous year, mainly from caution on new loan under the third wave of COVID-19 situation and

% decreasing from 5.8% at the end of previous year as a result from caution on new loan and customer’s relief measures from COVID-19 situation. In the end of fourth quarter of 2021, the consolidated coverage

revenue was closely to the previous year. Cost of service for operation of Expressway business consisted of costs of toll, amortization of rights to operate completed expressway sectors and compensation for

year. Cost of service for operation of Expressway business consisted of costs of toll, amortization of rights to operate completed expressway sectors and compensation for site acquisition cost. For the

activities and spending. The situation has led to an adverse economic effect on individual and business across various sectors, so Thai government has issued measurements such as cash subsidy payment and

Forth Smart Service Public Company Limited (FSMART) 3Q2020 Management Discussion and Analysis 2020 Management Outlook Although Thailand is caused by the COVID-19 pandemic that affects a number of sectors

of rights to operate completed expressway sectors and compensation for site acquisition cost. For the third quarter of the year 2019, the cost was at Baht 1,530 Million, (Translation) Bangkok

impacted by declining global demand, which has also led to a deceleration of private consumption as a result of lower employment, particularly in export- related manufacturing sectors. Elevated household

plastic woven sack is decreased from the effects of the recessions of economic circumstance since the beginning of the year, combine with the drought condition which affected the agricultural sectors which