supervise and ensure fair treatment for retail and SME customers will pose a heightened challenge to banking performance. To cope with these issues, commercial banks may have to fine-tune their strategies

accredited investors. In this regard, certain qualifications such as audit work experience, past experience in certifying financial statements, and size of company, may be relaxed. It should be noted, however

-19) in Thailand had improved continuously and the government has relaxed the control measures, The Group has resumed opening 4 large branches as usual during 8.00 a.m. to 5.00 p.m.; such as, Rama 2

revenue from sales and service greatly increased from Q2-2022 and Q3-2021. This is because in Q3-2022, the government has issued more relaxed measures to prevent the COVID-19 outbreak, making the project

after the Government has relaxed its protection measures by partially reopening department stores and border checkpoints that initially the recovery should begin in the 4th quarter 2020 and slightly

. Although there have been problems and obstacles during work, the Company was able to fine tune and improve the work process to be smoother and faster. The progress of work continues as planned, and the

Company has been providing COVID-19 screening, quarantine, and treatment services in order to collaborate with the government measures. In addition, after the government relaxed travel restriction by

-19 outbreak and to alleviate economic downturn. Although, many countries have gradually relaxed the lockdown measures, and businesses resumed their operations, consumer spending is still not yet fully

Digital lending license and launched Digital personal loans in November 2021. Since, the Bank of Thailand has relaxed debt assistance from BOT increasing credit line from 1.5 to 2 times for customers

outbreak control measures are being gradually relaxed and Vaccination is more progressive. 2). The effect of outstanding demand from the previous period and 3). Government measures that continue to bolster