with probable forward looking macroeconomic factors. The Company has also set additional management overlay for customers in the relief program of COVID-19 at the amount of 1,016 million baht. The non
baht, which was resulted from higher provision in the first quarter of 2020 with probable forward looking risk factors due to COVID-19 situation. Net profit was mainly contributed by continued growth of
written- off receivables as well as the Company has also set management overlay for a hedge with probable forward looking macroeconomics factors. Net credit cost was at 5.1% increased from 4.1% in the first
paragraph of Section 308 of the Civil and Commercial Code shall not be prejudiced: (1) transfer of assets whereby the original payee acts as the agent to collect and receive payments of debts incurred; (2
a defence under second paragraph of Section 308 of the Civil and Commercial Code shall not be prejudiced: (1) transfer of assets whereby the original payee acts as the agent to collect and receive
two of Section 308 of the Civil and Commercial Code shall not be prejudiced. The agent who collects and receives payments of debts under the first paragraph shall have a duty to maintain separately an
lockdown measures. In addition, the Company maintains management overlay in the amount of 1,378 million baht for a hedge with probable forward looking macroeconomics factors and the new wave of COVID-19
reservation of rights specifying that the management company may change the invested assets or investment proportion only upon satisfying of the following conditions: (1) there is probable cause to believe that
October 2010 - 31 December 2012 an authorised person, an auditor concluded these transactions were normal and appropriately recorded, despite the deficiencies. Example 4 : A work paper cited a probable