requirement of the Thai Financial Reporting Standard No.9 Financial Instruments (TFRS9) was 95 million baht and management overlay was 45 million baht. As of the end of the first quarter of 2020, the Company
(TFRS9) เท่ากับ 95 ล้านบาท และ บรษัิท ราชธานีลสิซิ่ง จ ากดั (มหาชน) Management Overlay เทา่กบั 45 ลา้นบาท ซึ่งจ านวนดงักล่าวเป็นการประมาณการเพ่ือครอบคลมุปัญหาและ เหตกุารณใ์นอนาคตท่ีอาจเกิดขึน้จากสถานการณ
ongoing economic slowdown and management overlay. - Finance Cost The Company recorded consolidated finance cost in the first half of 2020 of 1,112 million baht, increasing by 1% y-y. For the second quarter
provision for future impact of ongoing economic slowdown and management overlay. - Finance Cost The Company recorded consolidated finance cost in the fiscal year of 2020 of 2,096 million baht, decreasing by 5
asset quality in the coming periods, the Bank continued to exercise cautionary measure under the TFRS 9 framework by setting aside higher provisions and management overlay to reflect possible
economic slowdown and management overlay. - Finance Cost The Company recorded consolidated finance cost in the first nine-months of 2020 of 1,628 million baht, increasing by 1% y-y. For the 3rd quarter of
and facilities. Most importantly, we remain steadfast in our commitment to help communities, farmers, SME’s, and the Thai people in order to allow Thailand to move forward stably and pass through the
with probable forward looking macroeconomic factors. The Company has also set additional management overlay for customers in the relief program of COVID-19 at the amount of 1,016 million baht. The non