/08/62 2 The BOT’s Senior Loan Officer Survey indicated that in the second quarter of 2019, credit demand from the business sector improved from the previous quarter, due to loan demand from large
support franchise business starters seeking 13 to become an established brand through a franchise credit program and a loan program granted jointly with sponsors, which has been implemented continually and
portfolio under defined risk appetite. Over the past year, we maintained loan concentration within an acceptable level. We have adopted credit risk management mechanisms as follows: Credit risk management
system’s remained sound as banks continued to closely monitor credit quality and maintained high levels of loan-loss provision, capital fund and liquidity to facilitate further credit expansion. Credit
-performing loan (NPL) to total loans was 2.9 percent, nearly the same level as at the end of 2017. The Bank of Thailand’s Senior Loan Officer Survey indicated that in the second quarter of 2018, credit demand
financial assistance to the Company under the Credit Agreement in the amount of USD 41,000,000, or equivalent to THB 1,414,878,111.11, with a loan period of 5 years9 (the “Financial Assistance”). Under the
financial institution established under a specific law and treated as a financial institution under the Law on Loan Interest of Financial Institutions ; (3) Islamic Bank of Thailand; “ obligor ” means a
institution established under a specific law and treated as a financial institution under the Law on Loan Interest of Financial Institutions 2 ; 1 The Law on Financial Institutions means the Financial
Related Persons of Unitholders of Property Funds for Solving Financial Institution Problems, Mutual Funds for Solving Financial Institution Problems and Property and Loan Funds