policy to align with the set goals, taking climate change and adaptation risk into account. 5 Emerging Risks Description of Risks Potential Business Impact of the Risks Mitigating Actions businesses

หลายรูปแบบและวิธีการ ในที่นี้จะขอยกตัวอยางการตั้ง reserve account ในรูปทรัสตเทานั้น โดยมีรูปแบบ และวิธีการ ดังนี้ (2.4) การตั้งบญัชีทรัพยสินในรูปทรัสตในการเรียกเก็บหนี้เพื่อนิติบุคคลเฉพาะกิจ

collection items from the NPL management business which the Company have not recognized ( such as, cash collected from auction sale pending recognition, suspended account for debt repayment, check pending

impairment of intangible assets - - 16.87 28.57 Loss from impairment finance costs and share of loss from associates 29.81 216.80 - - Doubtful Account 88.24 641.75 - - Loss from impairment of goodwill 51.20

-2018, it found that the increased rate of those was higher than the increased in revenue, due in Q4-2018, those had been recorded the additional allowance for doubtful account of overdue receivables and

liabilities to total equity ratio was of 1. 20:1 time and the Interest bearing debts to total equity ratio was of 0. 98:1 time. The liabilities comprised of major items which follow;- 2.2.1 Account payable and

times 4.81 4.82 4.70 Average collection period days 75 75 77 Inventory turnover times 4.42 4.78 4.90 Average inventory turnover odperi days 81 75 74 Account payable turnover times 5.66 5.69 5.49 Average

, money transfer, payment, and new account opening with electronic-Know-Your-Customer (e-KYC) service. For lending (PL Loan) business, the Company will target Boonterm kiosk’s Master Agents (MAs), sub

, short-term loans and long-term loans from financial institutions, trade account payables and other account payables for working capital and investment in real estate projects, and deposits and advance

account payables and other account payables for working capital and investment in real estate projects, and deposits and advance received from customers. At the present time, there are 14 projects available