of 4.4% from the end of 2016. Loan growth continues to be from the following areas: housing loans increased by 149.3%, micro SMEs including SME Car3x loans expanded at 73.4%, personal loans increased

margins. • Our portfolio serving end markets of food, beverages, personal care and hygiene were positively influenced during pandemic. We are also pleasantly surprised that our material which goes into

or action happening or caused to happen or reasonably believed to likely happen, which may give rise to material and adverse impact on PCCA or jeopardize the execution of this transaction as indicated

reasonably believed to likely happen, which may give rise to material and adverse impact on PCCA or jeopardize the execution of this transaction as indicated in the Entire Business Transfer Agreement; (3) PCCA

there is no material adverse effect to the Transaction. 2. NEXT has revised the objectives of the company to cover its business operations of NEXT, including the issuance of share certificates and the

completed and there is no material adverse effect to the Transaction. 2. NEXT has revised the objectives of the company to cover its business operations of NEXT, including the issuance of share certificates

against, cope with and minimize cyber threats in a timely manner to avoid their potential impact on the nation’s security. 9. Personal Data Protection Act B.E. 2562 (2019), published in the Government

the condition that a due diligence and feasibility study of the project and valuation of shares are being satisfied and there must be no material adverse effect to the financial conditions and operation

impact of the COVID-19 in the periods going forward as the situation is still evolving. It is, however, certain that Thailand and worldwide measures against spread of the COVID-19 will have adverse effects

activities and spending. The situation has led to an adverse economic effect on individual and business across various sectors, so Thai government has issued measurements such as cash subsidy payment and