, derivatives fund manager, investor contact and derivatives investor contact shall receive an approval from the SEC Office and whereas the flood catastrophe may cause obstacle and inconvenience to such persons

, commercial banks must pay close attention to the increasing global impact of climate change going forward. 8. The high level of household debt in Thailand - The burden of high debt accumulation is an obstacle

าคญั 2. ความสามารถในการท าก าไร (1) มีการอธิบายสถานะและการเปลีย่นแปลงทีมี่นยัส าคญั โดยใช้ ตวัเลขที่แสดงผลการด าเนินงานส าคญั (key performance indicator เช่น ROE อตัราก าไรขัน้ต้น เป็นต้น) มาประกอบการ

management business should be considered together with the Cash collection, which is a key performance indicator. Please see further details in the section “4.3 Cash Collection Received from Our NPL and NPA

performance indicator which is applied by other operators in the same business and various investors. Cash collection is calculated based on key items and recognizable cash items only, and so does not include

and NPAs management business, cash collection is a key performance indicator which is applied by other operators in the same business and various investors. Cash collection is calculated based on key

and NPAs management businesses The Company believes that for the NPLs and NPAs management business, cash collection is a key performance indicator which is applied by other operators in the same

. This was considered an obstacle for distribution channels of the Company’s customers as they had to postpone their purchase orders of the Company’s products. Moreover, During the year, Thailand tourism

Company believes that for the NPLs and NPAs management business, cash collection is a key performance indicator which is applied by other operators in the same business and various investors. Cash

) .................. 10 2.5 การกำหนดตัวช้ีวัดความเสี่ยง (IT Risk Indicator), การตดิตาม และรายงานผลการบริหารและ จัดการความเสี่ยง (IT Risk Monitoring / Reporting