gifts exceeding a minimal monetary value. 2.17 A CRA employee who becomes involved in a personal relationship (including, for example, a personal relationship with an employee of a rated entity, obligor

Installment Value as per contract* (Baht in Million) Housing Loan 472 831.67 Corporate 16 599.66 SME 13 340.21 Personal Loan 46 102.87 Total 547 1,874.41 2. NPAs Installment sales 122 81.54 * Outstanding loan

340.21 Personal Loan 46 102.87 Total 547 1,874.41 2. NPAs Installment sales 122 81.54 * Outstanding loan installment value includes outstanding loan as per restructured agreements 5.2.2 Purchase of NPLs

. Demand for other personal loans also decreased. Going forward, financial institutions expect increasing demand for business credit, especially from small and medium sized businesses in construction

marketing support and commission expenses paid to delivery operators (Grab, Lineman, Food Panda and Get) which were related to the increased delivery sales. As a percent of total revenue, selling and

ใชจ้่ายของพนกังานหนา้สาขา ค่าเช่า ค่าสาธารณูปโภค และค่าเส่ือมราคาเพิ่มขึน้จากการเปิดสาขาใหม่ และ (2) ค่าคอมมิชชั่น ใหก้ับผูป้ระกอบธุรกิจจดัส่งอาหาร (Grab, Lineman, Food Panda และ Get) ที่เพิ่มขึน้ จากรายได

launching the application developed by the company to enhance customer experience. The application will bring in new loyalty program to current customer base of After You to collect points, get informed about

the group of the company to the Organic and Sustained growth. 2. Could get a better return on investing to the new project. 3. Reduce the interest and some loan which will be reflected in the turnover

after the date of the disclosure to the Stock Exchange of Thailand. The Company has no obligation to seek the shareholders' resolution. However, it expects to get approval on the mai listing and the

strictly for debt collection between sales and finance department. As a result, the Group get receive from many outstanding debtors. 2. Proceeds from installment sale increase amount Baht 4.51 million