) of the combined business as it will be able to manage power generation and utility systems, infrastructure and electricity/steam network, which will reduce redundancy in future investments and decrease

effectively improve the overall operating performance (operation synergy) of the combined business as it will be able to manage power generation and utility systems, infrastructure and electricity/steam network

2018. However, these items are presented as combined line item, “Interest income from loans purchased” in the audited financial statement for the year ended December 31, 2019. As a result of

12.29 million, the Company therefore had profit of THB 11.33 million and combined with other income of total THB 28.24 million, the Company had profit before expenses of THB 39.57 million and when

loans amounted to Baht 40,106 million, expanded by 6.6% from the end of 2019 with total combined other retail loans portion to total Bank loan portfolio at 15.5% as of end of 3Q20. Commercial Lending

statements for the year ended December 31,2016, 2017 and 2018. However, these items are presented as combined line item, “Interest income from loans purchased” in the audited financial statement for the year

interest income from loans following the adoption of the TFRS 9. This was also combined with a decline in transaction volume, as measures to prevent the spread of Covid-19 led to consumers using more digital

proficiency of a real estate, etc., and estimate the amount of the raised fund combined with the amount of loan (if any) to be used for such purpose after deducting expenses]_____________. 1. Risk Factors

Kerry in excess of THB 125,000,000 in aggregate within a period of 6 calendar months. (b) Incurring any indebtedness or other liability of Kerry (including obtaining loans from a third party or

-Home advertising media in Thailand of the Company and/or its subsidiaries (the “Right to Sell Advertising Media Agreement”) with an aggregate consideration of THB 3,500,000,000 (by reference to a minimum