café in Bangkok, which are located at Unicorn Tower Phaya Thai, Susco Square Phutthabucha, PTT Station Tiwanon, and Design Village Bangna. In Q4/2023, After You plans to reopen 2 renovated stores at Bang
branches according to plan. Focus on Continuous Branch Expansion of Dessert Café According to Plan In Q4/2023, the Company expanded 1 new dessert café in Bangkok, which is located at Asiatique. In 2024, the
to closely monitor credit quality and maintain high levels of capital fund and loan loss provisions to withstand a potential adverse impact from economic uncertainty. Credit Rating LH Financial Group
NML’s assets to decrease by ten percent or more or by more than Baht 5,000,000 is considered an event having a significantly Enclosure Page 3 adverse impact. 4. The debt restructuring agreement between
นั้นตองไมทําใหผูถือหุนของบริษัทแมเสียประโยชน หรือสงผลกระทบเชิงลบตอผูถือหุนเดิม (adverse impact) - บริษัทแมตองมีวิธีในการคุมครองสิทธิประโยชนของผูถือหุน โดยจัดสรรหรือใหสิทธิพิเศษในการซื้อ
measure, the Bank continued to set aside additional expected credit losses (Management Overlay) in the amount of Baht 998 million for any possible adverse impact from the current situation. Total allowance
classification, the Bank adheres to accounting guidelines regarding providing temporary relief measures to debtors affected by adverse Thai economic conditions. In this regard, the Bank is allowed to provide
disclaimer of opinion on the applicant’s financial statements and the consolidated financial statements or an adverse opinion; 2. a qualified opinion on any material transaction as non-compliance with the
as sub-lessee, and Thai Oil will be a contracting party as sub-lessor of the land being the site of the ERU Project in the CFP, located at Thung Sukhla Sub-District, Si Racha District, Chonburi