credit rating information selection with responsibility and caution (fiduciary duties) and shall not make credit rating information selection which may cause assets of clients to be in a condition of low
for Bangkok real estate business in 2019 and necessity to increase caution in business operation, the management maintain positive view over luxury condominium1 market, appraising from sales volume of
with truth in all respect. It is created with prudence and caution concerning to the benefits of shareholder at most. This Information Memorandum is created on the purpose of information distribution
structure management. It has to be flexible in times of economic turmoil and financial costs must be maintained at appropriate level. In addition, the financial policy must be implemented with caution and the
risk (Stage 3) was 5.6% decreased from 5.8% at the end of previous year, mainly from caution on new loan under the third wave of COVID-19 situation and some of the customers able to repay and accelerated
year. For default receivables in credit risk (NPL Stage 3) was 5.2% decreasing from 5.8% at the end of previous year, mainly from caution on new loan under the third wave of COVID-19 situation and
% decreasing from 5.8% at the end of previous year as a result from caution on new loan and customer’s relief measures from COVID-19 situation. In the end of fourth quarter of 2021, the consolidated coverage
% decreasing from 5.8% at the end of previous year and decreasing from 5.2% in the previous quarter, mainly from caution on new loan under the new wave of COVID-19 situation. In the end of third quarter of 2 0 2
productivity of our operations to ensure distinctive customer experiences. Capital allocation will be executed with caution to ensure we streamline ourselves, improve CAPEX and OPEX efficiency, and deliver
improve IT processes & systems to unlock higher efficiency and productivity of our operations to ensure distinctive customer experiences. Capital allocation will be executed with caution to ensure we