ASEAN DEBT SECURITIES DISCLOSURE STANDARDS 1 แบบ 69-BASE-FD แบบแสดงรายการขอ้มลูและรา่งหนงัสอืชีช้วน ส าหรบัการออกและเสนอขายตราสารหนีใ้นลกัษณะโครงการ Registration Statement for Issuing and Offering of

ASEAN DEBT SECURITIES DISCLOSURE STANDARDS 1 แบบ 69-PRICING-FD Commercial Name of the Issuer……………………………………… Offering to…………………………………………………………………… Features of Debt Securities i.e. interest rate

ASEAN DEBT SECURITIES DISCLOSURE STANDARDS 1 แบบ 69-SUPPLEMENT-FD Commercial Name of the Issuer……………………………………… Offering to…………………………………………………………………… Types of Debt Securities ……………………………………………… Size

because an increasing of employee remuneration as a result of new staff hire for the distress debt expansion and consolidate cost of insurance service from new subsidiary. The Company’s gross profit for the

of new staff hire for the distress debt expansion and commission paid. However, the percentage of cost of services to revenues was declined significantly. This was because the enhancement of efficiency

%. An increasing was mainly from administrative expenses which results from bad debt allowance in lending business and personal expense increase from business expansion. Operating profit in 2017 was 1,109

reason was an increasing of employee remuneration as a result of debt collection business expansion especially for business of debt acquisition. The Company incurred insurance expense of 25.5 million baht

administrative expenses for 6 months of 2020 is 207.2 million baht increased 18.9 million baht increased 10% due to the increasing employee compensation from the expansion of debt collection business. Financial

increase new target group of customers, higher personal expense for support sales growth as well as oversea business expansion. - Bad debt and Doubtful accounts The consolidated bad debts and doubtful

commercially launched in September 2019, an increase in financial cost pressured by incremental debt financing to support business expansion which THB 5,357.8m loan facility to the acquisition of Outriggers was