temporary suspended. Private consumption contracted as a result of weakening purchasing power and high household debt. Government have implemented financial relief measure to help those affected by the COVID

expiring relief packages and (4) the rising political uncertainty Meanwhile, in the auto industry, the total number of car sales for the first eight months of this year stood at 456,872 units, contracting by

digital strategy plan. As of February 28, 2022, the Company had total cards as below; For overseas business in Cambodia, Myanmar and Laos, there are active customers more than 128,002 with representing 5

total loans ratio for 1Q21 increased to 3.2%1 from 2.9% at the end of 2020 mainly from loans exiting from the relief program. The Bank current level of capital remains strong and is above the minimum

and loss from shrinkage and obsolescence. In addition, land and building tax declined due to 90% tax subsidy from government’s relief program as well as declining of loss from foreign exchange. 7

, BAM still believes that our strengths and strategy will keep the company to stay highly competitive in this market. หนา้ 3 3. Regulatory considerations Changes in banking regulations, such as those

resuming activities • Implement a ‘Work from Home’ policy and put in place IT infrastructure to support working from home where practicable • Ensure that a robust communication strategy is in place to

strategy is in place to provide up-to-date information to employees, suppliers, and customers Effect to the Group's Financial Statements This situation significantly affects the Group’s business activities

sales of accessories due to the Company’s bundle sale strategy. Nevertheless, several product categories had their sales decrease including (1) DIY products, decreased by THB 98.98 million (-1.78%), (2

Financial Service Co.,Ltd. (Japan) (AFS), while the bad debt recovery which increased 13.7% year on year. The Company plans to focus more on expanding fee- based income. This strategy aims to diversify