The Company and its subsidiaries have no other additional commitments apart from those declared in the notes of consolidated financial statement of the Company for the fiscal year ended March 31, 2018

Discussion & Analysis (MD&A) Q3/2018 For the 9M/2018, the company and its subsidiaries had a net increase in cash and cash equivalents increased by Baht 1,786 million or 42% from the fiscal year of 2017

total asset value (b) has an income deriving from the operation of the said assets not less than 75 percent of the company’s total income in each fiscal year; (12) forward contracts made specifically for

could include, for example, the impact of inflation, the impact of foreign currency fluctuations, and any governmental economic, fiscal, monetary or political policies or factors that have materially

economic, fiscal, monetary or political policies or factors that have materially affected, or could materially affect, the company’s operations. Also disclose any significant components of revenues and

31 December 2023 is the most recently completed fiscal year at the time the application is filed; the financial statements or the consolidated financial statements for the three most recent years, and

or consolidated financial statements for the year ended 31 December 2023 is the most recently completed fiscal year at the time the application is filed; the financial statements or the consolidated

’ loans, and focused mainly on borrowers with good track records, and existing low-risk customers. 2.2 Market Risk Management During this quarter, the Thai and US interest rates moved in accordance with the

borrowers with good track records, as well as existing low-risk customers. Early warning signs were also developed with the use of transactional data for enhanced efficiency in risk monitoring and portfolio

borrowers, and remained vigilant on risks. Meanwhile, we mainly targeted borrowers with good track records, as well as existing low-risk customers. 2.2 Market Risk Management Economic and political