addition, the Company has directions and policies for sustainable development and well aware of the ESG impacts. Hence, in the third quarter of fiscal year 2023, the Company has initiated hire purchase loans

as a result of hire purchase business growth in Thailand and CLM. In addition, the Company has directions and policies for sustainable development and well aware of the ESG impacts. Hence, in the 3Q

the Company or the group of companies, as specified by the Board of Directors (if any), to be used as guidelines for investors to understand and monitor future business directions of the Company. 1.2

Management 11  Market Risk Management 14  Liquidity Risk Management 16  Operational Risk Management 17  Cyber Risk Management 17  Strategic Risk Management 19 3. Business Directions and Operations of Core

Management 17  Digital Risk Management 18  Strategic Risk Management 19 3. Business Directions and Operations of Core Businesses 20 3.1 Sustainable Development and Corporate Governance 20 3.2 Business

sign to be worse. However, the Company will operate business without carelessness by drawing attention to the risk factors in every directions. The executing has prepared carefully to the any occurrence

Directions The outlook of the country in 2019, the forecasted GDP is at 4.0%, which is lower than forecasted GDP in 2018 at 4.2% due to the world economic slow down which is impacted by the slow down of

Directions The outlook of the country in 2019, the forecasted GDP is at 4.0%, which is lower than forecasted GDP in 2018 at 4.2% due to the world economic slow down which is impacted by the slow down of

group of companies, as specified by the Board of Directors (if any), to be used as guidelines for investors to understand and monitor business directions of the Company. The business goals aforementioned

system to meet the demand of the customers. Q1/2018 Market environment and Directions in 2018 In terms of the situation in the power industry for the year 2018, the Energy Regulatory Commission (ERC