account for financial transaction from one account to two accounts. (b) Loan Agreement dated 17 February 2014 between the Company, as Borrower, and Mr. Niramd Ngarmchamnanrith, as Lender, with a credit

credit card spending and acquisition of new credit card customers. In addition, our consolidated revenue from Personal Loan were 10,385 million baht, stable from previous year and consolidated hire

from sale of repossessed cars (credit cost) stood at 1.33% of average loan for the year 2019. Allowance for doubtful accounts and allowance for troubled debt restructuring amounted to Baht 10,589 million

BOT’s Senior Loan Officer Survey indicated that in the second quarter of 2020, credit demand from business sectors improved from the previous quarter, due mainly to loan demand for working capital and

debt securities for 1Q19 totaled Baht 485 million, increasing by 11.7% when comparing to Baht 434 million yoy. Loan loss provisions (excluding general reserve) and including loss from sale of repossessed

/ Total loans (excluding interbank) 4.0 Total loan loss reserve/ Total NPLs (coverage ratio) 1 114.1 113.2 110.1 111.2 111.2 115.9 1 Excluding loans classified as Purchased or originated credit impaired

ceiling rates of interest rates on credit card from 18% to 16% per annum and personal loan from 28% to 25% per annum since August 1 last year as well as the announcement of temporary lockdown in July and

underperformance of the car industry was consistent with the economy-wide economic slowdown and the credit tightening by financial institutions following signs of deterioration in loan quality. In the equity market

-spending credit card customers with strong repayment capacity. The personal loan receivables of 43,069 million baht remained stable, due to more customers participating in debt restructuring loan program

from the covid-19 situation resulting in higher expected credit loss amount during 3Q20 when comparing to the same period last year. For loan portfolio, the Bank continues to focus on asset quality