outbreak, especially on export, tourism and industrial sector. However, economic recovery has been high uncertain from new wave of the COVID-19 pandemic since December 2020. As a result, the domestic tourism

increased ,while the Social security revenue of subsidiaries decreased. Payment system of Social security office is uncertain therefore in Q1/2019 subsidiaries did not receive revenue of chromic disease. 2

) 235.76 126.53 Debt Service Coverage Ratio (Times) 94.15 75.36 (3) Asset Management Capability (3.1) Debtor Quality, Accounts Receivable Aging, Provision and Sufficiency of Allowance for Doubtful Debts The

to Baht 33 million in 2Q2017 (41 percent increase), mainly from an increase in the Company’s credit balance accounts. 3. The Company reversed bad debts and doubtful accounts of Baht (8) million in

digital clients so they can increase their revenues and reduce customer servicing costs. V3 22/02/62 14:27 น. 3 Thai Banking Industry in 2019 Global economic growth is likely to be slow and uncertain, while

and its subsidiaries for the year ended 31 December 2018 represented a loss before the provision for doubtful accounts and impairment on assets of Baht 112.79 million. Inclusive of the provision for

Limited and its subsidiaries for the six-month period ended June 30, 2018 represented a loss before the provision for doubtful accounts of Baht 24.13 million. Inclusive of the provision for doubtful

and its subsidiaries for the nine-month period ended September 30, 2018 represented a loss before the provision for doubtful accounts of Baht 67.28 million. Inclusive of the provision for doubtful

Limited and its subsidiaries for the nine-month period ending September 30, 2018 represented a loss before the provision for doubtful accounts of Baht 67.28 million. Inclusive of the provision for doubtful

decrease 21.82 million bath or (53.35%) in the year 2017 from the project penalty waiting for restored from customer 3. Allowance for doubtful accounts (transfer back) 3.59 with last year at (11.39) million