reflecting more cautious lending practices to align with the current economic conditions. Moreover, the Company has expanded its service channels through the online platform, which is more convenient for

business sectors even though there will be a better direction. However, consumers are still cautious with their spending and Thailand has issued the lockdown measures for the group of foreign tourists. It

economic environment, the growth of commercial bank lending will likely slow. Banks will closely and continuously monitor loan portfolios and adopt cautious lending policies. This, coupled with the Bank of

concerns of users regarding future inflation. As a result, users were more cautious in their spending. In addition, the Company had gross profit from digital content of THB 14.04 million, decreased by THB

or loss under the TFRS9. All in all, most commercial banks adopted a cautious stance in asset quality management as NPLs to total loans edged higher. As of the end of the first quarter of 2020, net

accordance with relevant regulations and announcements , therefore, reasonable in approving such transactions. With this, a related person did not attend in the meeting and had no voting rights about this

below the target mainly due to on-going cautious household spending due to high household debts and slow economic recovery. Furthermore, the number of restaurants continued to increase from both existing

opportunity loss. The Board of Directors have considered that the land leasing with factory and office building and the purchase of machinery are in accordance with relevant regulations and announcements

and the purchase of machinery are in accordance with relevant regulations and announcements , therefore, reasonable in approving such transactions. With this, a related person did not attend in the

inflation. As a result, users were more cautious in their spending. The gross profit from digital content via telecommunication channels was THB 18.58 million, decreased by THB 10.99 million or -37.17% YoY