join investment in good hospital project. The company expects to received pay back return rate about 10 % which higher than interest market rate. RAM will receive dividend at preferable rate in the

Characteristics of the transaction: Amount: CNY 25,000,000 or Baht 125,937,500 (Exchange rate = 5.0375 Baht / CNY) Duration: Within 5 years upon drawdown Interest rate: 2.05% (2.05 % of five-year duration equals to

interest rate or floating interest rate; (3) in case of accepted, aval, endorsed, or guaranteed debt instruments, such acceptance shall be unqualified, aval shall be given as to the whole amount, endorsement

: (1) being debt instruments registered with the Thai Bond Market 4 Association; (2) in case of payment of return on such liquid assets, the return shall be either in the form of fixed interest rate or

costs decreased by 11.2%, due to lower weighted average cost of fund mainly from issuance of recent bonds with lower interest rate, together with utilization of short-term instruments. PERFORMANCE BY

occur from the fluctuation in currency and interest rate of long-term debentures in foreign currencies, the Company has entered into cross currency interest rate swap contracts to hedge its debt

revenues. The ability to maintain low financial cost due to the replacement long term loan with lower rate as well as the Company’s policy to manage liquidity risk and interest rates fluctuation risk by

% of total borrowings. To manage risk that might occur from the fluctuation in currency. The Company has entered cross currency interest rate swap contracts to hedge its debt. In addition, the Company

represented 71% of total borrowings. To manage risk that might occur from the fluctuation in currency and interest rate of long-term debentures in foreign currencies, the Company has entered into cross currency

26% of total turnovers with the revenue of 10,368 million baht, a decrease of 754 million baht or 7% y-y mainly from a reduction in interest rate ceiling for personal loan by 3%. In the fourth quarter