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
); (5) review procedures and processes in the management of information security incidents, after the testing under (4) is carried out, at least once a year; (6) evaluate the results of the testing under
substitute personnel at operational level and management level, financing source, office equipments and information technology systems, as well as, should evaluate on a usage of finance and accesibility to