, almost of the decrease of advertising and promotional expenses. The ratio of operating expenses to total operating income is at 38.7%, which is decreased when compared to the second quarter of 2017 was at
NML’s assets to decrease by ten percent or more or by more than Baht 5,000,000 is considered an event having a significantly Enclosure Page 3 adverse impact. 4. The debt restructuring agreement between
the decrease of expense in the business operation of the Company. 8 Enclosure 1 7. Basis Used to Determine the Value of Consideration The basis used to determine the value of consideration for the
various areas, and the economy of scale, which enabling the decrease of expense in the business operation of the Company. 7. Basis Used to Determine the Value of Consideration The basis used to determine
future from the increase of advertising media which will be able to reach target more precisely and covering various areas, and the economy of scale, which enabling the decrease of expense in the business
the decrease in the net non-interest income by 22.5%. The bank’s operating results reported net profits for the year 2019 amounting to Baht 2,038.4 million, decreased by 20.7% when compared to the year
and 50.6 percent in Asia Pacific. This leads to a decrease in passenger load factor (PLF) by 12.4 percent compared to the same period last year. Worldwide average passenger load factor (PLF) for the
expenses totaled Baht 6,649 million, declining by 2.7% comparing to the first nine months of 2019 mainly from the decrease in premises and equipment expenses and marketing expenses. Cost-to-income ratio for
the SEC Office as the independent financial advisor on May 27, 2017 to give an opinion on the Transaction, including preparing relevant documents as required by the competent authorities. 1 Details of