portfolio and also negatively impacted from the economic slowdown and during the early stage of implementation of new collection system. - Finance Cost The Company recorded consolidated finance cost in the
default risks at the initial stage of business. The Company also plans to cooperate with business partners to further expand the loan businesses to general customers in the future. Targets Average revenue
for Agriculture and Agricultural Cooperatives, which those are still in process but not yet complete according to the achievement stage, therefore those projects cannot be delivered. In additional, the
are still in process but have not yet completed according to the achievement stage, therefore those projects cannot be delivered. In additional, the ongoing outbreak of COVID–19 had hindered operations
default receivables in credit risk (Stage 3) was 5.77% of total accounts receivable due to some of the customers who joined the grace period in Thailand and overseas and decreased trading volume in the
risk (Stage 3) was 5.6% decreased from 5.8% at the end of previous year, mainly from caution on new loan under the third wave of COVID-19 situation and some of the customers able to repay and accelerated
year. For default receivables in credit risk (NPL Stage 3) was 5.2% decreasing from 5.8% at the end of previous year, mainly from caution on new loan under the third wave of COVID-19 situation and
fiscal year. The delinquent account receivables for 3 months and up was 4.5% in the fourth quarter decreasing from 5.2% in the end of last year. For default receivables in credit risk (NPL Stage 3) was 4.9
credit risk (NPL Stage 3) was 5.3% close to the last quarter which decreasing from 5.7% y-y. The consolidated coverage ratio of allowance for expected credit loss to NPL (NPL Coverage ratio) was at 219