commercial banks adapting their business models, adjusting their physical branches both in terms of number and type of service, while developing their digital banking channels. In addition, banks have been

. In order to maintain overall financial results, the Company has initiated strategies focused on improvements in operational efficiency and expense control, such as adapting to the ‘new normal’ of

are mostly family businesses that have difficulty adapting to business disruption, both in terms of product and business models. Technological changes have affected the behavior of consumers as they are

, the SEC has three relevant notifications** amended with the salient features as follows: 1. Adjusting conditions for IA license exemption for foreign business operators, in which Thai business operators

;                 - For bond series ECF262A: increase the interest rate to 7.70 percent per year from 7.60 percent per year.                   (3) Granting approval for modifying the interest payment schedule from

repayment, refinancing, negotiating relief, or modifying debt restructuring agreements with financial institutions. The SEC requires that the bondholders’ representative analyzes the benefits and

rate from 7.50 percent per year to 7.75 percent per year, during the extended maturity period;        (3) Adjusting the principal repayment schedule to four installments, with the first three

following matters:            (1) Extending the maturity period for bond redemption by additional year, with the new maturity date set for 8 March 2026;          (2) Adjusting the principal repayment

approval on adjusting the bond interest rate from 7.00% per year to 7.25% per year throughout the extension period of the bond maturity.The SEC requires that the bondholder representative analyze the

approval on adjusting the bond interest rate from 7.50% per year to 7.75% per year throughout the extended period of the bond maturity. The SEC requires that the bondholder representative analyze the