following conditions: (1) in case of bond offering, the conditions specified in Division 1 shall apply; 13 (2) in case of corporate bond offering, the conditions specified in Division 2 shall apply; Division

Division 1; (b) the provisions relating to shareholders and protection as prescribed in Division 2; (c) the provisions relating to the management as prescribed in Division 3; (d) the provisions relating to

costs such as negotiating with landlords to reduce rental in some branch areas that were not be able to provide full services, and implementing a leave without pay scheme, initially for management but

was 64.8%, increased from 63.1% in 2022, mainly due to the increase in the revenue from dessert cafés as well as the Company's ability to manage costs effectively. G R O S S P R O F I T a n d G R O S S

regardless of what the title may be; (3) 2 “person with power of management” means a deputy manager, an assistant manager, a departmental director, a branch manager, and also means any persons holding

director, a branch manager, and also means any persons holding equivalent position called otherwise and such person shall be responsible for a line of work relating to derivatives services, derivatives

phase increased especially Bangna branch, which completed its one full year of operation in April 2019. ▪ Other incomes was Baht 34.00 million, an increase of Baht 6.23 million or up by 22.5% over the

Yai, Chachoengsao, Rayong and Diana Hat Yai Branch. Industry Overview Thailand’s overall economy expanded at a slower pace than expected in 2Q19 due to external demand. The escalated trade tension

Yai, Chachoengsao and Rayong Branch (which started operating since 1 November 2018)). Industry Overview In 3Q18, Thailand’s overall economic growth accelerated from all major spending categories

% 0.31% เงินฝาก Doha Bank, ประเทศกาตาร ์ Baa1/Moody's 1.90% 19.00% 0.36% เงินฝาก Qatar National Bank, ประเทศกาตาร ์ Aa3/Moody's 1.75% 19.00% 0.33% เงินฝาก The Saudi National Bank (Singapore Branch), ประเทศ