customers in Bangkok. 1.4 Company’s credit rating On February 17, 2020, TRIS Rating Co., Ltd. rated the company for the first time on the Standalone basis at “A-” with a “Stable outlook”. On February 19, 2020

/ offering unit / total principle amount / par value per unit / offering price per unit etc. Credit Rating………………………………………………………………… Financial Adviser…………………………………………………………… Underwriter

staff and erection staff that was not able to occupy full capacity and the expenses for the erection was higher than estimated budget. The Company recorded an impairment of inventory which was higher than

their concern on ability to manage liquidity and debt-servicing ability of households and businesses. Although the deterioration in credit quality affected profitability, Thai commercial banking system

Industry and Competition 2 1.3 Regulatory Changes 2 2. Risk Management and Risk Factors 5 2.1 Credit Risk Management 5 2.2 Market Risk Management 5 2.3 Liquidity Risk Management 6 2.4 Cyber Risk Management 6

due to the allowance for doubtful accounts from debtors. However, the Company has improved its operations as details below. 1. Quality customer selection, the Company has revised the credit approval

PUBLIC COMPANY LIMITED KPMG PHOOMCHAI BUSINESS ADVISORY COMPANY LIMITED KPM SECURITIES COMPANY LIMITED CREDIT SUISSE SECURITIES (THAILAND) COMPANY LIMITED CREDIT AGRICOLE CORPORATE AND INVESTMENT BANK

or approximately Baht 922,896.84 Pricing policy At Book value (transaction amount) and near market value Payment term By cash with 60 days of credit term The reason In order to reduce outstanding of

cash with 30 days of credit term The reason In order to reduce outstanding of unused equipments and create maximum benefits for the Company and its subsidiary, CCET sold unused equipments to KPPH. 2nd

the securities clearing house, including credit risk and liquidity risk. The financial resources shall be assets with high liquidity and low-price volatility which may be any of the following assets: (1