deteriorate, with the NPL ratio rising to 2.97 percent from 2.95 percent and 2.83 percent at the end of June 2017 and the end of 2016, respectively. The Bank of Thailand’s Senior Loan Officer Survey indicated

BOT’s Senior Loan Officer Survey indicated that in the second quarter of 2020, credit demand from business sectors improved from the previous quarter, due mainly to loan demand for working capital and

result. Regarding the quality of loans, the ratio of Non-Performing Loan (NPL) to total loans slightly increased from the end of 2018 to 3.0 percent. V2 12/11/62 2 The BOT’s Senior Loan Officer Survey

application submitted for a renewal of approval is currently under the consideration of SEC) SI LOM, BANG RAK, BANGKOK 10500, THAILAND Telephone : 09 4310 1810 Fax : 20/02/2017  -  19/02/2022 32 WELLNESS

together with providing the service in Beauty Wellness Center. In addition it will expand the business to simple surgery or mini surgery and develop branches into the retail store of beauty and cosmetic. 3

W Wellness World Co., Ltd. to be payable of royalty fee after 1 January 2020. For 21 branches made agreement with Hi Healthcare Center Co., Ltd., to be guaranteed the operating profit from the

แบบแสดงรายการขอมูลการเสนอขายตราสารหน้ี (รายครั้ง) (แบบ 69-DEBT-PO-GOV.AGENCY) บริษัท........... (ช่ือไทย/อังกฤษของผูเสนอขายตราสารหน้ี) ............. เสนอขาย ......................................................................................................................... ......................................................................................................................... ....................................................................................................

................................................................................................................................................................. ................................................................................................................................................................. ................................................................................................................................................................. ................

and Borrowings Classified by Type of Instruments December 2018 September 2018 December 2017 Change (%) Amount Portion Amount Portion Amount Portion September 2018 December 2017 Senior unsecured notes

in order to determine a high quality credit rating. A-7 1.12 A CRA should establish and maintain a review function made up of one or more senior managers with appropriate experience to review the