transactions via multiple platforms in a highly competitive environment. At the same time, the core business of loans is likely to see limited growth pending clearer signs of economic recovery. Home loan and

. Use of Proceeds 1.1. The Issuer shall document the Nominated Projects & Assets which are proposed to be associated with the Bond and which have been assessed as likely to be Eligible Projects & Assets

management companies that are owned by bank experience greater inflow on average, likely caused by greater distribution channel that commercial banks in Thailand have. By December 2016, bank-owned asset

total work. In the event that the Company waited for the design of the entire project to be completed 4 before starting with the construction, like other real estates, it will probably takes 7-8 years for

construction, like other real estates, it will probably takes 7-8 years for the completion of the design and Carnival Magic Project will be able to open by the year 2025. This will result in the opportunity lost

is in accordance with the facts and does not omit anything likely to affect the import of such information. This Prospectus is to be read in conjunction with all documents which are deemed to be

as well as predictions, projections and fore- casts of the economy or economic trends of the markets, which are not necessarily indicative of the future or likely performance of the Company. Such

and household credit will increase. Meanwhile, competition for deposits is expected to be mild, as although the economy is likely to be on the rise, recovery remains concentrated in certain business

numbers are not restated by quarters with change in new accounting policy as not material. Though yearly numbers are restated. 4 The full benefit from the structural change in trading conditions is likely

. Meanwhile, competition for deposits is expected to be mild, as although the economy is likely to improve, the recovery remains concentrated in certain business sectors. There is considerable excess liquidity