banking business, directly and indirectly. In detail: 1. Cyber Security Risk Amid rapid technological change, Thai consumers have readily embraced the new tech trends. Obviously, economic activity

. The change in cash collected primarily due to the following reasons: For the years ended December 31, 2016 and 2017, The Company cash collected from NPL management business was Baht 9,309.1 million and

under the Notification of the Capital Market Supervisory Board No. TorChor. 20/2551 Re: Rules on Entering into Material Transactions Deemed as Acquisition or Disposal of Assets (as amended) and

Notification of the Capital Market Supervisory Board No. Tor Chor. 72/2558 Re: Permission for Listed Companies to Offer Newly Issued Ordinary Shares to Specific Investors (as amended) (the “Tor Chor. 72/2558

the Notification of the Capital Market Supervisory Board No. Tor Chor. 72/2558 Re: Permission for Listed Companies to Offer Newly Issued Ordinary Shares to Specific Investors (as amended) (the “Tor Chor

management” shall refer to the term of “executive” in the Notification of the Securities and Exchange Commission No. KorChor. 5/2552 Re: Definitions used in the SEC’s Notifications Relating to Issuance and

is an offering of shares with a discount of more than 10 percent of the market price pursuant to the Notification of the Capital Market Supervisory Board No. Tor Chor. 72/2558 Re: Permission for Listed

project, which delays due to change in policy on procedure and the license approval process of the licensing agency, which is the Department of Energy, Ministry of Energy, the Philippines. It is still in

, which delays due to change in policy on procedure and the license approval process of the licensing agency, which is the Department of Energy, Ministry of Energy, the Philippines. It is still in the

the project is pending for the construction license approval process of the project, which delays due to change in policy on procedure and the license approval process of the licensing agency, which is