being sole distributor in Thailand. Therefore, no obstacle in doing long-term business in the future. ▪ Risks on Consumers’ Behavior Information Memorandum on Acquisition of Assets O.C.C. Public Company

employment and thin income would be a major obstacle for Thai economy in the next phase. For the banking sector in the third quarter of 2020, the commercial bank loans benefited grew from big corporate and

, commercial banks must pay close attention to the increasing global impact of climate change going forward. 8. The high level of household debt in Thailand - The burden of high debt accumulation is an obstacle