business sectors remained cautious in investment spending awaiting clarity on the political situation and ongoing geopolitical concerns that impact the global economy. The mobile industry demonstrated signs
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
the entire IT industry. Management Discussion & Analysis Q3/2023 3 I 10 Commercial sales increased by THB 120.95 million. The increase is attributed to the improving pandemic situation. As the COVID-19
, 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
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
Brand”, having communicated to customer groups to become aware of the variety of “Diamond” brand products, which are strong and durable resulting in trustworthiness from the customers through every
demand faced contraction in the same direction as private consumption on durable goods and services significantly contracted because people avoided going outside. Other fators include the suspension of a
employing knowledge and ability as a professional under different situation, being independent in making investment decision and having diversified investment in order to reduce investment risk, etc. (2) The