the appreciation of the Thai Baht has led to the destination shift among the country’s target tourists. These factors have, undoubtedly, put pressure on the hospitality industry, which is the main

continuous decline in global HRC prices and concerns about the growing spread of global epidemic of COVID 2019 towards the end of 1st quarter of 2020. This also resulted resulting in slowing orders from

is due to the decrease in gross profit between Q1 and Q3 compared to the same period of last year. This decrease was mainly due to lower overall private consumption resulted from the concerns over the

marketing with business partners. However, in regards to the current economic situation which is in an improved trend but the risks to asset quality remained in concerns. The Company therefore remains

with business partners. However, in regards to the current economic situation which is in an improved trend but the risks to asset quality remained in concerns. The Company therefore remains cautious in

, in regards to the current economic situation which is in an improved trend but the risks to asset quality remained in concerns. The Company therefore remains cautious in expanding high-risk loans. As

quality remained in concerns. The Company, therefore, proceeds with high-risk financial products with caution, as well as, expands the target group to customers with more stable incomes. As of May 31, 2024

Dubai crude oil price in Q1/2019 adjusted downward by 4.89 $/BBL when compared to Q4/2018 in regards to pressure from diminishing crude oil demand stemming from major maintenance of refineries over in the

means a variety of selections and (ii) as more NPLs are building up, there could be a downward pressure to the selling price, the profits could be enhanced, and eventually, the turnaround time could be

building up, there could be a downward pressure to the selling price, the profits could be enhanced, and eventually, the turnaround time could be shortened . Moreover, since an increased NPLs/ NPAs arise