Disclose significant factors that materially affected the issuer’s income from operations, including unusual or infrequent events or new developments and the extent to which income was affected by these

that materially affected the issuer’s income from operations, including unusual or infrequent events or new developments and the extent to which income was affected by these factors. Significant factors

FINANCIAL REVIEW AND PROSPECTS A. Operating Results Disclose significant factors that materially affected the issuer’s income from operations, including unusual or infrequent events or new developments and

unbiased basis and takes into account forward-looking factors throughout the transaction’s lifetime. The expected credit loss measurement concept may lead to volatility of impairment loss in accordance with

factors that materially affected the issuer’s income from operations, including unusual or infrequent events or new developments and the extent to which income was affected by these factors. Significant

unusual or infrequent events or new developments, materially affecting the issuer's income from operations, indicating the extent to which income was so 7    affected. Describe any other significant

รกันส ารองให้ค านวณจากสถิติค่าความเสียหายในอดีต โดยปราศจากความอคติ หรือไม่ล าเอียงจากค่าความเป็นจริง (Unbiased) และพิจารณาโดยการคาดการณ์ไปข้างหน้า (Forward-looking) ถึง สถานการณ์ที่คาดว่าจะเกิดขึ้นในอนาคต

, analyzed and prudently performed our duties as an Independent Financial Advisor, complying with the generally accepted professional standard and rendered our opinion based on the unbiased analysis with

unbiased manner as would normally be expected from person of the same profession; 14 (4) disclosure of any conflict of interest as financial advisor or any other interest in such securities shall be

. Operating Results 1. Provide information regarding significant factors, including unusual or infrequent events or new developments, materially affecting the issuer's income from operations, indicating the