24 Source: Blackrock TCFD Report 2021 25 Employ three-line of defense approach and integrate climate-related risk into the framework https://www.blackrock.com/corporate/literature/continuous-disclosure

decrease is the came from better management to compact the organization structure and continuous focus on reduction of expense of the company. 5. Management benefit expenses For Quarter2 of the year 2019

Management 36 1 1. Overview of Operating Environment 1.1 Global and Thai Economy in the Third Quarter of 2017 Overall, the global economy gained traction throughout the first nine months of 2017. Bright

, from continuous cost control. Over the past years, the Company has continuously adjusted its business operations to meet customers’ demands and to compete with competitors and technologies that is

was due to the continuous hire purchase loan expansion, particularly from trucks. Total hire purchase loans were 49,708.61 million baht, an increase of 3,296.98 million baht or 7.10% from the same

exports to reduce from the previous year. Furthermore, the sale of goods to foreign countries has been affected by the continuous appreciation of the Thai baht. Domestic consumption trend continues to

customers had a temporary delay of payment. However, the said customers still have the active status and can make the payment to the Company continuous increasing after ended of quarter 2. In addition

securities trading center; (d) having a plan to report the results of the experiment and progress of service provision to the SEC Office on a continuous basis; (e) having a clear exit strategy in case of

trading center; (d) having a plan to report the results of the experiment and progress of service provision to the SEC Office on a continuous basis; http://capital.sec.or.th/webapp/nrs/data/744p.doc 3 (e

continuous hire purchase loan expansion, particularly from trucks. The net of total hire purchase and financial leasing loans were 47,861.53 million baht, an increase of 6,805.14 million baht or 16.58% from