inbound tourism, especially from Chinese tourists as more direct flights from China to Thailand become available and partially helped by the visa fee discount and waiver incentives during the year. 3

through its subsidiaries and may partially resell and/or enter into a joint venture with any other investors in order to develop the Project Crossroads Phase 2. With the expertise in real estate development

ไมมีโอกาสไดรับผลตอบแทนจากอัตราแลกเปลี่ยน เพิ่มเติมจากผลตอบแทนในการลงทุน 1.2 ปองกันความเสี่ยงบางสวน (partially-hedged) กองทุนปองกัน ความเสี่ยงจากอัตราแลกเปลี่ยน เพียงบางสวน ผูลงทุนจึงอาจ ขาดทุน

Other fee of Baht 43 million 8 initial date of TFRS 9 adoption was Baht 2,552 million which the Bank has partially released as additional provisions for the impairment from revaluation of foreclosed

affected by the COVID-19 pandemic, resulted in the sluggish fatty alcohols market’ s purchasing power. Despite, COVID-19 situation has partially recovered, it could not totally return to normal situation in

after the Government has relaxed its protection measures by partially reopening department stores and border checkpoints that initially the recovery should begin in the 4th quarter 2020 and slightly

loan loss reserve after allowance for expected credit losses based on TFRS 9 at the initial date of TFRS 9 implementation was Baht 2,552 million which the Bank has partially released as additional

or partially, to shareholders; (5) when the approved person has paid out cash dividend in the amount exceeding the number as specified in terms and conditions or represented in documents given to

impairment loss in investments in subsidiaries in separate financial statement at THB 272 million. The transaction is expected to be completed by the end of Q3/2018. Management Discussion and Analysis of

section is intended to be a summary of more detailed discussion contained elsewhere in the registration statement. 2. Provide the disclosure in a separate section titled “Risk Factors” and separate