monetary conditions, at the meeting on September 23, 2020, the Monetary Policy Committee (MPC) voted unanimously to maintain the policy interest rate at 0.5%, after lowering rates three times earlier this
previous quarter. The Monetary Policy Committee (MPC) maintained the policy interest rate at 1.50 percent, viewing that while the Thai economy continued to gain further traction, there remained risks on the
) and financial reporting standard no. 9 (TFRS9: Financial Instruments) which impact the following areas: 1) Realized interest income from loans based on the effective interest rate method (EIR) and
customers. The bank will consider provide the loan types, the interest rate, limit loan types and payment period to appropriate with the customer business types and provided the loans considering process
has offered the financial products and services completely for clearly respond the customers. The bank will consider provide the loan types, the interest rate, limit loan types and payment period to
variable service costs that may occur throughout the sub-lease period in order to calculate the effective interest rate. Such calculation resulted in a higher book value of the long term loans. In addition
stipulated that the Company has to provide estimated fixed rental costs and variable service costs that may occur throughout the sub-lease period in order to calculate the effective interest rate. Such
interest rate paid shall be at the rate as agreed upon with the client. The securities company shall be allowed to charge or pay such interest by adjusting the outstanding balance in a margin account as if