working capital and reduce the interest payment and rate of interest lower than the average rate of unsecured loan from financial institution as at the date of transaction that as 4.00% (MMR ) and the

, not lower than the specified ratio.          ** Subordinated debt refers to liabilities for which the rights of creditors are subordinated to those of general creditors. Such debt is unsecured and

which is an unsecured short-term loan that granted to GSTEL according to the resolution of Company’s Board of Directors Meeting No. 3/2017 on March 16, 2017 for the amount not exceeding Baht 94 million

an unsecured short-term loan for the amount not exceeding Baht 94 million for a period of not more than 6 months from the first draw down date with the interest rate at 12.5% per annum to be used as

-currency-denominated senior unsecured debentures in March 2018. Non-interest income rose by Baht 2.2 billion or 19.1 percent, due largely to higher gains on tradings and foreign exchange transactions, gains

sector’s growth slowed down and private investment slightly dropped. However, private consumption continued to hold up, partly due to improvements in non-farm income and government measures to support low

of unsecured debenture with issued amount totaling of THB 500mn was due on 29 July 2018. The Company had repaid in full amount. Management outlook and future projects The management maintain positive

year. As the loan quality was relatively stable, the ratio of gross non-performing loans (NPL) to total loans was 2.9 percent, nearly the same level at the end of 2017. The Bank of Thailand’s Senior Loan

indirect totaling 25.7 percent of the Company’s paid-up capital. The Company intends to provide the unsecured short-term loan to GSTEL for temporary financial support to be used as working capital in their

Public Company Limited (“GSTEL”), the Company’s shareholder which hold direct and indirect 18.97% of paid-up capital of the Company. The Company had granted unsecured short-term loan of the principle