Remark: The results are prepared using credit rating information from recognized credit rating agencies. Prior to 2026, the analysis was based solely on TRIS Rating data. Starting in 2026, Fitch Ratings (Thailand) data have also been incorporated, where available, to enhance the completeness and representativeness of the underlying dataset. All rating information has been validated and consolidated, with data adjustments applied where necessary to ensure methodological consistency. The results are presented under two calculation bases: (1) default events only, and (2) default and deferral events.