case of necessity, allowing an employee to use some portion of his or her contribution as a collateral for a loan in case of necessity, increasing the employer’s and the employees’ contribution rates

capital ratio (NCR) with the ratio of NC when compared to general liabilities (total liabilities and derivatives liabilities, subtracted by special liabilities), plus assets pledged as collateral for

conditions of the agreement are similar to standard credit facility agreement but provides GJS with higher credit facility with no collateral required, which is rare in domestic credit market. Thus, GJS does

the client securities trading account as collateral. In this case, {A} had continuously done day trading of client securities for 25 working days worth approximately 109 million baht, resulting in her

้าประกัน varchar(20) Y ถา้ไมม่ผีูรั้บรอง/ผูรั้บอาวลั/ผูส้ลักหลัง/ผูค้ ้าประกัน หรอืผูเ้กีย่วขอ้งดังกลา่วไมม่ ีrating ใหบ้นัทกึเป็น None 24 Collateral Collateral (Type of Guaranteed) varchar(1) ชดุ code

and did not affect the Company’s cash flow or its operating performance. KEY HIGHLIGHTS • Total revenue and share of profit from investments in associates decreased by 6.3%. However, if excluding the FX

credit rating of the Company. Cash flow statements As for cash flow statements as of 31st March 2020 and 31st December 2019, the net cash flow increases 461.18 million THB or 92% as a result of the

business plan 2021 - 2024. Cash flow statement Regarding the cash flow statement as of 31st March 2021 and 31st December 2020, the net cash flow increases 546.06 million THB or 59.57% mainly because of the

Net operating debt to equity at 0.61 times with strong operating cash flow. Dividend payout remain much higher than its stated policy of 30% of net profits. Perpetual debenture of THB 15b refinanced at

bondholders have the right to redeem such bonds prior to the dissolution of the company under the specific conditions and period of time. Clause 35 In the case of secured bonds, whether the collateral of such