/ offering unit / total principle amount / par value per unit / offering price per unit etc. Credit Rating………………………………………………………………… Financial Adviser…………………………………………………………… Underwriter

named “Work from Here”. The Company also offered various credit card promotions and various forms of sales promotions through television, radio and other media. Online sales decreased by THB 64.68 million

their concern on ability to manage liquidity and debt-servicing ability of households and businesses. Although the deterioration in credit quality affected profitability, Thai commercial banking system

indicated that in the third quarter of 2019, credit demand from the business sector improved from the previous quarter, due to loan demand from large corporates, particularly for working capital in the

from studio close down and salary reduction as per lower working hours and other department’s staff voluntary. These could greatly help alleviate the impact of COVID-19 to the company’s performance

Industry and Competition 2 1.3 Regulatory Changes 2 2. Risk Management and Risk Factors 5 2.1 Credit Risk Management 5 2.2 Market Risk Management 5 2.3 Liquidity Risk Management 6 2.4 Cyber Risk Management 6

due to the allowance for doubtful accounts from debtors. However, the Company has improved its operations as details below. 1. Quality customer selection, the Company has revised the credit approval

PUBLIC COMPANY LIMITED KPMG PHOOMCHAI BUSINESS ADVISORY COMPANY LIMITED KPM SECURITIES COMPANY LIMITED CREDIT SUISSE SECURITIES (THAILAND) COMPANY LIMITED CREDIT AGRICOLE CORPORATE AND INVESTMENT BANK

the latest credit rating of such debenture or bill, or the issuer rating or the guarantor rating, as the case may be. 9.4 Dividend distribution policy Specify the dividend policy of the Company for the

or approximately Baht 922,896.84 Pricing policy At Book value (transaction amount) and near market value Payment term By cash with 60 days of credit term The reason In order to reduce outstanding of