Purchase of Receivables (Expected payment exceeding 1 year) which mainly was the bad debt purchased from financial institutions. Management Discussion and Analysis (MD&A) 2019 Page 5/6 Liabilities As of 31

capital from THB 50 million to THB 80 million prior to share sale and purchase date indicated in Share Sale and Purchase Agreement . 4. The details of assets purchased 4.1 Nature of business Type Ordinary

by 28.8% as compared to the same period last year and for the 6 month cash collection was 1,414 million baht, increase by 33.1% as compare to the same period last year. • The company purchased

longer necessary for a credit- impaired event to have occurred. The Company applies the impairment approach to financial assets that are credit-impaired upon the initial purchase or acquisition and a

financial assets that are credit-impaired upon the initial purchase or acquisition and a general approach is applied to calculate expected credit losses on other financial assets. 2.2 TFRS 16 Leases TFRS 16

for the quantity in excess of the minimum purchase requirement, as specified in the agreement, with retroactive effect from 1 April 2017. 4. Total value and the criteria for determining the

capital from THB 50 million to THB 80 million prior to share sale and purchase date indicated in Share Sale and Purchase Agreement . 4. The details of assets purchased 4.1 Nature of business At-Ze

Analysis We maintain a portfolio of credit for the purchase of receivables and properties for sale acquired at various points in time 4.4.1 Loans Purchased and Foreclosed Collateral Properties The following

purchase date indicated in Share Sale and Purchase Agreement . 4. The details of assets purchased 4.1 Nature of business At-Ze established in 2011 and operated business Original Equipment Manufacturer or OEM

management business to net NPLs is calculated from the sum of cash collection received from NPL management business divided by credit for purchase of receivables – net (average). 2 Return on NPL management