MB from accounts receivable to be delayed in collection, which increased from the recorded in Q3-2021, which equals to 1.5 MB and also Q4-2020, which equals to 24.4 MB or representing an increase of

process before or at the time of collection; Right of access: You have the right to access your personal data and request the SEC Office to make copies of your personal data for your own use, as well as to

data is held by the SEC Office; Right to be informed: You have the right to be informed of the personal data that the SEC Office will process before or at the time of collection; Right of access: You

means that the Company has better efficiency in debt collection. In addition, in the 2Q/2023, there was income from the gain on sale of written-off receivables in the amount of 167 million baht. Expenses

invoices were issued to receivables for project that had been delivered according to the completion stage but had not yet the due date for sending invoices for last year's collection. As the result, the

million baht. It comprised of an increase in bad debt recovery income to 525 million baht or an increase of 19% from last year, indicating a better efficiency in debt collection, expediting cases and

monitoring as well as recovery and collection processes.  Development of risk management system and framework for capital market and treasury business focusing on overall risk management to cope with

regulations, which are expected to be completed within the timeline stipulated by the Bank of Thailand. 6  Regulations for Interest Calculation and Fee Collection The Bank of Thailand issued circular No

, recovery and collection processes. Credit Risk Management Credit Risk Management Policy To achieve sustainable growth, our credit strategy focuses on a balance between portfolio value creation and protection

) 2.4 3.1 Net profit (after MI) 2 (%) 13.9% 23.7% Average collection period7 (days) 77 69 Return on equity3 (%) 11.1% 17.4% Payable days (days) 124 145 Efficiency Ratios Leverage Ratios Return on assets4