curb the pandemic. From the situation, unemployment rate in the second quarter of 2021 was at 1.89% and household debt showed high level. As of August 31, 2021, the Company’s total cards reached 9.29

, consumer confidence depression and high level of household debt though, there was some spending of consumer goods from the COVID-19 pandemic distress. However, the government sector has launched remedial

uncertainty concerning entity’s ability to continue as a going concern (paragraph........); ( 5.2 An uncertainty relating to the future outcome of exceptional litigation or regulatory action (paragraph

........).  5. Have emphasis of matter paragraphs resulting from (can choose more than one): ฆ 5.1 An uncertainty concerning entity’s ability to continue as a going concern (paragraph........); ฆ 5.2 An

apply) ( 5.1 Using of going concern assumption appropriate but a material uncertainty exists (paragraph number.......) ( 5.2 An uncertainty relating to the future outcome of exceptional litigation or

disruption to the economy. Businesses and employment were affected by the lockdown measures while consumer purchasing power continued to decline due to the high level of household debt. However, the government

continue to be major challenges. However, with a relatively high level of capital and the regular setting aside of additional provisions, commercial banks can still maintain an adequate cushion for NPL in

borderless marketplace of the ASEAN Economic Community (AEC). Given the increased degree of uncertainty in global economies, especially pressure from a looming trade war among core economies and their

fierce discounts, revenue grew strongly 23%YoY. Non-mobile enterprise business grew 6% YoY from high growth in Data center, Cloud, Cyber securities, IOT and ICT solutions offset by flat growth in

uncertainty of US economic policy. However, the global economy has continued to improve. Thai economy is growing as slowly which the tourism and exports were driving force in the first half year. Income and