19,650 20,445 34.0% 28.8% Liability under unmatured import bills 17,681 15,307 16,394 15.5% 7.9% Letters of credit 35,857 34,226 31,803 4.8% 12.7% Other commitments Underwriting commitments 249 1,199 1,098

)% Other commitments Underwriting commitments 324 149 - 117.4% 100.0% Amount of unused bank overdrafts 167,906 170,491 170,329 (1.5)% (1.4)% Other guarantees 261,309 265,071 270,320 (1.4)% (3.3)% Others

loan commitments and financial guarantee contracts. Recognition of allowance for doubtful accounts uses expected credit loss model. As a result of this, the allowance for doubtful accounts is recognized

% Liability under unmatured import bills 15,307 16,394 19,610 (6.6)% (21.9)% Letters of credit 34,226 31,803 35,400 7.6% (3.3)% Other commitments Underwriting commitments 1,199 1,098 1,950 9.2% (38.5)% Amount

)% Liability under unmatured import bills 22,278 19,122 19,041 16.5% 17.0% Letters of credit 32,500 38,166 35,822 (14.8)% (9.3)% Other commitments Underwriting commitments 149 - - 100.0% 100.0% Amount of unused

% Other commitments Underwriting commitments - 249 1,098 (100.0)% (100.0)% Amount of unused bank overdrafts 172,917 173,813 174,083 (0.5)% (0.7)% Other guarantees 262,414 260,047 259,314 0.9% 1.2% Others

collective Investment Fund which has capital commitments from the external investors who are limited partners (98.36 percent) and SSG GP (1.64 percent). SSG GP is the general partner who has operational

-related services, transaction services caused by the exemption of transaction fees via digital channels, and fees from underwriting commitments. Gains on investments fell by Baht 502 million, while gains on

responsibilities to shareholders thoroughly and directors are capable to perform their duties. In case the board of directors has appointed the general manager or any other 12 person to act on its behalf for any

FVTPL, together with loan commitments and financial guarantee contracts. The allowance is measured basing on the ECLs associated with the probability of default in the next twelve months except for the