businesses in the Thai capital market. Concurrently, the SEC encourages audit firms in the capital market to build up their strength through the three mechanisms, namely Self-discipline, Market Force, an

non-performing loans, which is a strength area of the company whereby the fund structure is suitably maintained. In addition, JMT Plus business is still in an early stage and exposed to a default risk

และสถาบันจัดอันดับที่ปรากฏตามตารางแนบท้ายประกาศนี้ เป็นอันดับและสถาบันจัดอันดับที่สำนักงานยอมรับในการจัดอันดับความแข็งแกร่งทางการเงิน (financial strength rating) ของผู้รับประกันภัย เพื่อประโยชน์ในการใช้

of digital technology, which has shaped a new trend of consumption amid intensified borderless business competition via digital channel. To brace for these numerous challenges, KBank prioritizes the

strong across-the-board growth. The business sector remained challenged by new modes of competition amid the advancing digital age and the rapid pace of technological advancement, together with the

handset sale. However, overall consumer spending remained weak and AIS continued to exercise cost measures to minimize effect from slowdown in revenue. Mobile competition slightly improved Amidst weak

the corresponding period of the previous year. While gross profit margin decreased due to the higher competition in Trading business resulted in - Gross profit margin of second quarter was 10.13% of

corresponding period of the previous year. Gross profit margin decreased due to the higher competition in Trading business resulted in - Gross profit margin of third quarter was 13.80% of revenue from sales and

continued to see limited support, after growing by 2.30 percent in the second quarter. The Thai economy did show some signs of strength in the third quarter, due mostly to the low base effect of the same

sustain its growth. Overall, however, it was plagued by weak exports and tourism amid the global economic slowdown. Aside from these challenges, businesses had to contend with more complex competition