. Meanwhile, the private sector remained slow down the investment because there was worry about political stability after the election. Household sector paid more attention on spending because there were still

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

declined 615,200. The data consumption continued to accelerate with blended VOU rising to 4GB/data sub/month driven by 4G. HD video streaming has become popular while data plans were designed to be worry

, driven by growing popularity of video streaming, worry-free data packages, and increasing 4G device penetration (42%). As a result, non-voice revenue expanded to 60% of service revenue (excluding IC

service, emphasizing on convenience, simplicity, and worry-free to use mobile data. Competition in fixed broadband has been heightened by the incumbents. Although an average industry ARPU remained in a

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

. Besides, the appointment of Mahachai Group as distributor for products causing the company to not have to worry about selling because Mahachai Group can ensure that the production will be able to sell. When

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