. Thailand remains a safe tourism destination, with government officials maintaining vigilant monitoring of conditions, conducting comprehensive building safety inspections, and providing support to those

the consciousness-raising and support efforts of many organizations to create a more diverse and balanced workforce, with the belief that in the future, women leaders will be a significant target

health consciousness. This will create a demand for wellness. As the wellness business has yet to operate, it incurred pre-opening expenses. MK was careful in controlling costs of goods sold and operating

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

level of the Company and subsidiaries to be consciousness and values in working with honesty, transparency, clarity and verifiability without any actions constitute to corruption directly and indirectly

trends towards light-weighting, use of sustainable materials, increasing levels of consciousness for personal hygiene and change in choice of personal wear, specially by the younger generation. From a

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