structure management. It has to be flexible in times of economic turmoil and financial costs must be maintained at appropriate level. In addition, the financial policy must be implemented with caution and the

risk (Stage 3) was 5.6% decreased from 5.8% at the end of previous year, mainly from caution on new loan under the third wave of COVID-19 situation and some of the customers able to repay and accelerated

year. For default receivables in credit risk (NPL Stage 3) was 5.2% decreasing from 5.8% at the end of previous year, mainly from caution on new loan under the third wave of COVID-19 situation and

% decreasing from 5.8% at the end of previous year as a result from caution on new loan and customer’s relief measures from COVID-19 situation. In the end of fourth quarter of 2021, the consolidated coverage

name. 2) Amend clause 3 (Company’s objectives) to insert 1 clause of objective as follow; “(Clause 45) To engage in the business of electronic commerce and internet transactions, E-commerce, and all type

registered capital from THB 589,968,760.00 to be THB 970,283,450.00 with the Ministry of Commerce on June 22, 2018 regarding to the Extraordinary General Meeting of Shareholders No. 1/2018 of the Company on

into your home through our group e-commerce platform, mobile application, Line Chat&Shop and Call&Shop as well as free delivery service upon certain condition. Meanwhile, the Company has already taken

of registration of the branch office above with the Ministry of Commerce. Sincerely Signature: ...............................(authorized person) For and on behalf of

of Commerce. The derivatives business operator shall submit a copy of such registration certificate to the SEC Office within fifteen days as from the date of registration with the Registrar. Clause 7

. Focusing and developing E-commerce with potential partners 4. Focusing cost-efficiency and productivity  Utilizing information technology (IT) system to optimize operation and resources  Optimizing human