in other comprehensive income except for dividend which is recognized in profit or loss. - The interest income from loans recognition method has changed to the effective interest rate method (Effective

the operation of the project will create returns and value to the Company and its shareholders in the long term. 11. Opinion of the Audit Committee and/ or the Director which is Different from the Board

balance across different vintages. Bangkok Commercial Asset Management Public Company Limited Part 1 Page 10 Information Memorandum As of 30 September, 2019, assets that the Company had acquired within the

พาณิชย ์จ ากดั )มหาชน( หนา้ 15 The appraisal value of loans purchased and Foreclosed Collateral Properties as of December 31, 2019 is approximately two times the outstanding balance across different

Deposit, Current Deposit, Fixed Deposit, Fixed Deposit Receipt (FDR), and Tax Free Deposit. 2. Loan Service The bank categorizes customers into different groups to continuously develop good relationship

, since it is unlikely or unfit for the Company to obtain a loan from a commercial bank given its current financial status (as at March 31, 2017). 8) Opinion of the Audit Committee and/or Director Different

commercial bank given its current financial status (as at March 31, 2017). 8) Opinion of the Audit Committee and/or Director Different from the Board of Directors’ Opinion in 7) The Audit Committee’s opinion

) 0.13 (0.02) 0.64 Remark (1) These figures are different from those included in Company’s consolidated Financial Statements as they include revenues (before deducting discounts and commissions) from

, Fixed Deposit, Fixed Deposit Receipt (FDR), and Tax Free Deposit. 2. Loan Service The bank categorizes customers into different groups to continuously develop good relationship with all customer groups

Super Shield, Saving Deposit, Non-Fixed Deposit, Current Deposit, Fixed Deposit and Tax Free Deposit. 2. Loan Service The bank categorizes customers into the different groups to continue develop the good