recovery of some business sectors, including the export sector that continued to decline due to the economic slowdown in Thailand's major trading partners. This may affect the ability to pay of customers in
the export sector, although it has a better outlook in the third quarter. In additions, the household debt rate remained high, the Company, therefore, implemented a more stringent credit lending policy
disbursement in FY24, declining export and manufacturing competitiveness, and global supply chain issues. Mobile industry sustained its growth momentum with increased usage both domestically and internationally
supported by the allocation and disbursement of the government’s budget and continued expansion in the export sector. Additionally, industrial production resumed growth leading to further expansion. As a
channels. In case of export, specify the domestic/export sales ratio, the export markets or the group of export markets for such major products or services; (b) Describe the industry competition during the
the preceding year by way of, for example, general comparison with competitors, customers’ characteristics, target customers, sales and distribution channels. In case of export, specify the domestic
by the intermediary itself. Clause 27 An intermediary shall arrange the evidence of [i] communication with or providing services to a client , [ii] any warning or [iii] signing acknowledgement or
understanding; (5) provide additional warning that high-risk or complex capital market products are different from plain vanilla products; (6) inform clients about the risk which may arise from service or
information on the high-risk or complex capital market products for clients’ better understanding; (5) provide additional warning that high-risk or complex capital market products are different from plain