SENDIRIAN BERHAD JOHN MASTER (M) SDN. BHD. KEYLAB S.L. KIKO GARMENTS SDN. BHD. LA RINASCENTE S.P.A. LAN CHI INVESTMENT AND SERVICE COMPANY LIMITED LAN CHI SERVICES AND TRADING INVESTMENT COMPANY LIMITED LAN

, BAM still believes that our strengths and strategy will keep the company to stay highly competitive in this market. หนา้ 3 3. Regulatory considerations Changes in banking regulations, such as those

of various customer groups by offered return of an investment incentives and various benefits for customers which is boost competitive advantage of the bank. In addition, the bank holds various

limited to: the highly competitive nature of the industries in which the Company operates; a potential recurrence of regional or global overcapacity; exposures to macro-economic, political, legal and

suitable for occupations and financial positions of various customer groups by offered return of an investment incentives and various benefits for customers which is boost competitive advantage of the bank

the service coverage to enterprise market, as well as increase the Company’s market share in the enterprise data service market. Such investment will enhance the Company’s competitive position and the

of various customer groups by offering the return of an investment incentives and various benefits for the customers which is boost the competitive of the bank. In addition, the bank holds various

groups by offering the return of an investment incentives and various benefits for the customers which is boost the competitive of the bank. In addition, the bank holds various recreational activities to

have increased - except for Hadyai. However, ARR for the Maldives market has decreased by 3.5% YoY as a result of the current intensely competitive hotels business in that market mainly due to the

- Page 3 of 11 ICUK recognizes the dynamics and competitive setting of energy drink market as well as the high bargaining power of leading modern trade operators in the UK, causing longer lead time than