the previous year. Because the distant for transportation to customer increased 258,575 kilometers, or 24.78% compared to the previous year, transportation expense increased 4.89 Million Baht, or 27.18

expense for the Group increased amounting to 1.65 Million Baht, accounting for 31.85 % from the previous year. Because the distant for transportation to customer increased 154,505 kilometers, or 58.94

may arrange an alternative site for supporting continuity of operation. Such alternative site should not use the same source of infrastructure as the main office, should have a location distant from the

the Thai population and business sectors to become more vigilant in spending and investment. The mobile industry showed a positive sign driven by the overall economic improvement which benefited from

ัญญาที่ส่งมอบเดือนไกล (Distant Contract) จะมีราคาต ่ากว่าสัญญาเดือนใกล้ นัน่หมายถึงราคา NR มี แนวโน้มที่จะปรบัลดลงในอนาคต โดยผลกระทบจากการไหลออกของเงนิทุนใน ตลาดซื้อขายล่วงหน้า ท าให้ราคา TSR20 ในเดอื

borrowers, and remained vigilant on risks. Meanwhile, we mainly targeted borrowers with good track records, as well as existing low-risk customers. 2.2 Market Risk Management Economic and political

each area. We continued to prioritize risk assessment through prudent screening and close monitoring of borrowers, and remained vigilant on risks. Meanwhile, we mainly targeted borrowers with good track

borrowers, and remained vigilant on risks. Meanwhile, we mainly targeted borrowers with good track records or existing low-risk customers, while giving greater weight to digital lending. 2.2 Market Risk

activities in the digital world. This trend will likely be evident in the foreseeable future. To cope with this challenge, the business sector, including Thai commercial banks, has become more vigilant in