Competitive Environment In 3Q24, Thailand showed positive sentiment emerged from the resolution of political uncertainty and a clearer economic direction and resuming of budget spending. These factors eased

deliver a positive customer experience anywhere, anytime through collaboration and synergy with other companies within KASIKORNBANK FINANCIAL CONGLOMERATE, startups and our business partners under the

trend development was more than offset by the continued positive growth sentiment of advertising spending in November and December 2017, driven by the economic rebound in exports, tourism and automotive

decline in revenue from dessert café, which was attributed to the lower traffics in shopping malls and weaker consumption sentiment following COVID-19 concerns together with the closure of shopping malls

of debt tracking for customers. 3. Income from insurance business in Q3/2019 wat 71.3 million baht due to the subsidiary success in sale expansion. For 9-months period of 2019, the Company’s total

with this political risk potentially denting consumer and business sentiment as well as investment activity. Aside from these risks the industrial trends impacting the lime business are positive. Fixed

moderated, while business and consumer sentiment worsened. As in Q2 also in Q3 the main lime consuming sectors of the industry were impacted by the macro economy. However, market feedback has given us

useful material - use and dispose properly, 3. Cooperation – build an ecosystem through collaboration with the public and private sectors. Success begins at home. We believe that the new norm is

contributing to the long-term success and performance of the company. Other factors relevant to a company’s decision- making processes, such as environmental, anti-corruption or ethical concerns, are considered

since 2016, while the Indonesia market also began to generate early profit. Despite the positive sentiment in the oversea markets, the Company’s faced challenges from the sluggish performance in the