are also watchful for any potential impacts on our deposits and liquidity, both short- and long-term, to ensure that we adopt proper fund-raising strategies. 7 3. Business Directions and Operations of

other challenges remain. They include fast-changing technology, wherein non-bank players are joining the fray and playing an increasing role in the market as alternative service providers for consumers

supervision of the Enterprise Risk Management Division, Assets and Liabilities Management Sub-committee and Risk Management Committee. We are also watchful for any potential impact on our deposits and liquidity

various marketing activities such as by joining Ambiente Trade Fair in Germany, HOFEX in Hong Kong, Food and Hotels Association Singapore Indonesia and Malaysia, AHAR in India, Holetex in China and Makro

of the entire supply chain. Osotspa continued to provide helping hands to the communities and its business partners by joining force through the Osotspa Fighting for Thai Nation campaign that provides

Thailand and the Health Ministry of Thailand for recreational and tourist spot. The group also supports the government policy by joining the campaign “We Travel Together” which aiming to promote the “New

Risk Management Division, Assets and Liabilities Management Sub-committee and Risk Management Committee. We are also watchful for any potential impact on our deposits and liquidity, both short and long

Risk Management Division, Assets and Liabilities Management Sub-committee and Risk Management Committee. We are also watchful for any potential impact on our deposits and liquidity, both short- and long

Risk Oversight Committee, Assets and Liabilities Management Sub-committee and Enterprise Risk Management Division. We are also watchful for any potential impacts on our deposits and liquidity, both short

also watchful for any potential impacts on our deposits and liquidity, both short-term and long-term, to ensure that we continue to adopt proper fund-raising strategies. 7 3. Business Directions and