thoroughly considered to maintain a balance in terms of investor protection and competitive edge in the international arena. The SEC remains vigilant in fulfilling its roles and responsibilities, ensuring that

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

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

activities in the digital world. This trend will likely be evident in the foreseeable future. To cope with this challenge, the business sector, including Thai commercial banks, has become more vigilant in

corporate cultures that take into account gender equality issues in the business undertakings and value chains. Therefore, the SEC is very pleased to support the program for the second year and hopeful for

operations and is hopeful that appropriate measures will also be taken by the Government to support to support the Thailand Industries. 3. Performance of the Company Operating Results The Company reported a

cost saving measures to minimize the negative impact of the COVID-19 pandemic on the Company’s future operations and is hopeful that appropriate measures will also be taken by the Government to support