particular area. 2.5 The board of directors comprises of independent directors who are knowledgeable, reliable and truly independent in performing the duties. For example, the independent directors should have

to serve lower consumer purchasing power and grow the business. Enterprise business was the key growth area for many operators which captured the digitization trends in businesses and consumers. All

3 more branches in the Bangkok area to access target customers even more comprehensively. International Expansion During the second half of 2023, the Company plans to open the second After You Dessert

served as a reception area and workspace for customers, which can also be used as a space for hosting of various activities that allowed the Company to progressively engage with customers. Recently, the

2024, the Company began selling its own product “Butter Bun” in 7-Eleven convenience stores across Bangkok, metropolitan area, and the Southern region. The Company plans to increase production capacity

introduced customized financial services and innovations that provide greater customer convenience, speed and reliability with ever-greater consideration of consumer protection and customer privacy. Being

bags in Thailand effective from January 1, 2020. Therefore, the business sector is at risk from both natural disasters and government policies regarding environmental protection. However, new

market items 310 307 235 1.0% 31.9% 1,115 1,104 1.0% Contributions to the Deposit Protection Agency and Financial Institutions Development Fund 2,429 2,442 2,277 (0.5)% 6.7% 9,617 9,127 5.4% Debt issued

Exchange of Thailand, as follows: (1) Fair business practices (2) Anti-corruption (3) Human rights protection (4) Equitable labor treatment (5) Responsibility to consumers (6) Environmental protection (7

improved from the same period of the previous year by THB 15 million, as it was a high season in Q1/2019, resulting in the increased wind speed within the project’s area. Management Discussion and Analysis