of an intermediary, the intermediary shall comply with those standards as well. In case the association specifies the guideline, having obtained an approval from the SEC Office, regarding operational
agreements (TFRS 16) which are effective in 2020. In addition, as a result of the pandemic of the Coronavirus Disease 2019 (COVID-19), the company has closely monitored and followed up the operational plans of
improvements in operational efficiency as well as marketing expenses. In this quarter, impairment loss of loans and debt securities increased by Baht 10,961 million. Compared with the fourth quarter of 2018, net
addition, the Company has adjusted strategic and operational objectives from intensively focusing on income from Government Projects. In the past, the Company experienced unstable cash flow and liquidity
at the Mumbai, India refinery, and the Replan refinery in Brazil, as well as the Vohberg refinery in Germany, which could take up to 2 - 3 months before becoming operational again. However, demand from
case that the Company consists of subsidiaries or affiliates, the following information is required: - Policy on operational organization within the group of companies; - Shareholding diagram of the
declared and that the financial statements and financial information referred to in this registration statement have shown the financial status, the operational performance and the cash flow of the issuer