analysis should be read in conjunction with our financial statements and accompanying notes, as well as our selected operating data, included elsewhere in this Offering Circular. Our financial statements

following the Bank of Thailand’s requirements and evaluate the profile of debtors based on the bank’s historical data. The bank has set aside of reserves for bad debts, doubtful accounts and impairment loss

data, particularly those from outside the company. In addition, any forward looking statements are subject to change as market conditions and actual outcomes may differ from forecasts. BAM makes no

Second Quarter ended 30 June 2017 Page 7/22 3.5 ATM Chip Card Service and Debit Chip Card Service are ATM cards which enhance security of ATM service by using chip card to record customer’s data and can

ระบบ CRM รวมถงึการพัฒนาฐานขอ้มูล (Data Mining) เพือ่เพิม่ประสทิธภิาพ การท างานของทมีงาน และ 4) ปรับปรุงส านักงานใหม่ เพื่อใหพ้นักงานมคีวามสขุกับการท างาน ผ่านแนวคดิในการ ออกแบบ “ใหอ้อฟฟิศเป็นเหมอืนบา้น

of ATM service by using chip card to record customer’s data and can provide more convenience for financial transactions 24 hours a day. The services provide customers to do the following transactions

record customer’s data and can provide more convenience for financial transactions 24 hours a day. The services provide customers to do the following transactions; withdrawal, money transfer, loan payment

data and can provide more convenience for financial transactions 24 hours a day. The services provide customers to do the following transactions; withdrawal, money transfer, loan payment, and product and

means, in addition to the multi-tiered agent system, cash van strategies distribute our products directly to a number of traditional trades, of which the Group has continuously collected data and

such information on a need-to-know basis and prevents unlawful use of such information; (2) a system for management and storage of data, documents or relevant evidence, for example, efficient records of