restriction to curb the Coronavirus outbreak. The entry plan remains around Bt400. Operators are building in VDO service and other value added service including mobile bundling to gear toward higher ARPU. 2Q21

-Value (LTV) ratio for mortgage loans which led to a decline in bank lending to the real estate sector. The Bank of Thailand also implemented policies to encourage commercial banks to focus on sustainable

compared to the prior year. It mainly decreased by the customers of Government and State enterprise sector which end of contract and they have plan to change the system. So, they didn’t continue the

Baht appreciation, affected to production competitiveness that manufacturers made decision to shift production base or import materials from foreign. Similarly, private investment sector and employment

. For the Company’s main business, sale of real estate business increased by THB 63.83 million despite the slowdown of real estate sector in Thailand and none of the Government stimulus measures. In

recovery and well-performing trading partners’ economies. Also, tourism sector robustly expanded, reflected from an increasing number of international tourist arrivals in almost every nationality especially

southern economy dramatically declined in 2017. Trang’s economy depends heavily on agriculture sector. Prices of both the rubber and oil palm suffer in year 2017, and also the harvested volume was declined

% >80% 5. (High Sector Concentration Risk) 80% (SD) / : Information Technology Gov.bond/AAA Gov.bond/AAA : (credit rating) 20% NAV AIA-GAA 5 6. (High Country Concentration Risk)

. (High Sector Concentration Risk) 80% (SD) / : Financial Gov.bond/AAA Gov.bond/AAA : (credit rating) 20% NAV AIA-GCA 4 6. (High Country Concentration Risk) 80

Credit Rating AA, A BBB BBB unrated 2. (Market Risk) 25% 3. (Exchange Rate Risk) 4. (High Issuer Concentration Risk) ≤10% 10-20 % 20-50 % 50-80 % >80% 5. (High Sector Concentration