to creditors in the financial statements, except for the late payment penalties and interest of 7.5 - 15.0 percent per year. As mentioned above, Hero Experience has appointed the lawyer to be
otherwise, except as may be required by applicable laws and stock exchange regulations. The above and other risks and uncertainties are described in the Company’s most recent annual registration statement
need for working capital has slowed down, while demand for household credit increased in almost all categories except home loans. Looking ahead, financial institutions predict that demand for business
total may not match to IVL due to holdings segment, except regions where holdings are allocated 5 The global BOPET film industry has expanded rapidly and there are increasing applications and end-uses
have increased - except for Hadyai. However, ARR for the Maldives market has decreased by 3.5% YoY as a result of the current intensely competitive hotels business in that market mainly due to the
Bank loan portfolio registered growth in all segment except for hire-purchase which still contracted during 2017. Housing loans increased by 204.8%, micro SMEs including SME Car3x loans expanded at 83.9
numbers are not restated by quarters with change in new accounting policy as not material. Though yearly numbers are restated. Note: Segments total may not match to IVL due to holdings segment, except
– 2016. The Bank loan portfolio registered growth in all segment except for hire-purchase which still contracted during 2017. Housing loans increased by 204.8%, micro SMEs including SME Car3x loans
approved to provide such services concerning depositary receipts except in the following cases: (1) the approved person has been granted a securities company status, provided that the approved person shall