stabilize, the ratio of non-performing loan (NPL) to total loans was 2.9 percent, the same level as the ratio at the end of 2017. The Bank of Thailand’s Senior Loan Officer Survey indicated that in the first

/08/62 2 The BOT’s Senior Loan Officer Survey indicated that in the second quarter of 2019, credit demand from the business sector improved from the previous quarter, due to loan demand from large

establish and maintain a review function made up of one or more senior managers with appropriate experience to review the feasibility of providing a credit rating for a type of entity or obligation that is

Administration Expenses Selling and administration expenses in Year 2018 increased by Baht 49.0 million or 7.4%, as result of human resource and IT system development and internal control of subsidiaries

Human Resource Committee. 3. Type and size of transaction, basis used to determine service fee and payment method 3.1 Type and size of transaction This transaction is considered as a services transaction

reduce a redundant works and increase of work efficiency by integrating human resources and operation processes with subsidiary companies such as ACS Servicing (Thailand) Co., Ltd, AEON Insurance Service

which the interest rate is approximately 9%-10% per year. Moreover, the management structure is not appropriate; therefore, the joint venture company has high unnecessary human resource management expense

interest expense which the interest rate is approximately 9-10 percent per year. Moreover, the management structure is not appropriate; therefore, the joint venture company has high unnecessary human

Accounting functions (“FASSC”) to reduce a redundant works and increase efficiency by integrating human resources and operation processes of our subsidiaries and affiliated companies such as ACS Servicing

for solar energy (5 yearly overhaul). • Other current assets increased Baht 4 million because of tax receivable. • Intangible assets increased Baht 4 million due to investment in software for human