has adjusted various strategies to suit the new lifestyle of the customers (New Normal) with the 4 main strategies as follows: New Strategies in Response to the New Normal Lifestyle Develop New

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

economy, especially China, several other Asian countries and those of the European Union, showed signs of a slowdown during the second half of 2018 primarily due to concerns about the US-China trade dispute

constrained by high household debt. Fierce competition continued and each bank attempted to develop products and services to serve customers through digital channels. New business models, together with insights

every finished product and crude oil price crack spreads, with supporting factors ranging from the maintenance of various refineries in North Asia, as well as concerns over supplies tightening after the

Experiment and Develop Innovation in Support of Service Provision Related to Capital Market Which Are Not Deemed an Undertaking of Derivatives Business For Which an Approval Is Required _____________________

and Develop Innovation in Support of Service Provision Related to Capital Market Which Are Not Deemed an Undertaking of Derivatives Business For Which an Approval Is Required _____________________ By