conditions. Nevertheless, risk factors still remain from the following 1) Contractions in private investment continue especially in the construction segment 2) Continued slowdown in manufacturing productions
conditions. Nevertheless, risk factors still remain from the following 1) Continuing weakness in the private investment especially in the construction segment 2) Continued slowdown in manufacturing productions
global economy 2.) tourism sector growth with an exceptional 12% YoY increase in tourist arrivals for the first six months of the year, especially Chinese, Russian and Indian tourists 3.) recovering
categories especially in durable goods which showed significant contractions since the second quarter onwards from the contractions in vehicle sales. Key factors include the weakened household income and
especially in durable goods which showed significant contractions since the second quarter onwards from the contractions in vehicle sales. Key factors include the weakened household income and tightening of
products particularly for sanitizers , face shields made of PET on account of change in consumer behavior. Though Integrated PET spread remain strong , standalone PTA margin were lower due to poor demand
across broader range of businesses and wider geographical areas. Meanwhile, consumer loans expanded in all purposes, particularly auto loans. However, commercial banks remained cautious in lending as their
declined after accelerating in the previous quarter. Looking forward, financial institutions expect demand for business credit to increase, especially for large corporates to invest in fixed assets for
capability to serve the enterprise segment, especially in cloud area. As a result, enterprise non-mobile revenue in FY21 climbed 18% YoY and accounted for 3.2% of core service revenue. In addition, AIS