In 2022, the Company continues to closely monitor the news and situation of the COVID-19 epidemic in order to be able to determine the direction of operations and contingency plans that are consistent with the current situation. Continue to focus on expanding services to cover all areas continuously as well as expanding various business channels. In addition to the determination to conduct business professionally until the Company has continued to grow. The Board of Directors still adheres to and gives priority to sustainable business operations. By focusing on creating the right balance in 3 dimensions: Economy, Society and Environment. By adhering to management principles under the principles of good corporate governance, morality, ethics, transparency, social and environmental responsibility to elevate the business sustainability strategy to be more consistent with the sustainability framework of international standards and the company has a risk management of the Company that covers all aspects of operations. By emphasizing risk management related to corruption within the Company to build confidence among shareholders, investors and all stakeholders that the Company has managed risks in various aspects. In addition, the Company arranges to review important policies in various areas such as the Anti-Corruption Policy, Good Corporate Governance Policy and Business Ethics Risk Management Policy and Personal information protection Policy. This is a important law for the disclosure of personal information that is effective in 2022. In order to comply with good corporate governance principles and keep up with the changing business environment and competition and provide manuals/guidelines on business operations for executives and employees to adhere to as a common practice as well as giving importance to developing the potential of employees to have knowledge and competence in order for the Company to be a stable and sustainable organization.

On behalf of the Board of Directors, I would like to thank you, shareholders, customers, as well as all stakeholders for the trust and always support the Company. Also, thanks to the management team, all employees who strive and dedicate to perform their work to the fullest potential to achieve the goal of both revenue growth, branch expansion and to the best customer service. Including jointly driving the business towards sustainability ready to effectively cope with changing circumstances.

I would like to assure you that, I and all of the Board of Directors are committed to conducting business with economic, social and environmental responsibility. Including supervising the management of the company to be successful in accordance with the planned strategic plan based on virtue honesty and transparency in the business operations. Including strictly adhering to the principles of corporate governance. In addition, to maintain the leadership to be the number one in Microfinance business. I am very confident that Muangthai Capital Public Company Limited and subsidiaries will grow continuously and grow efficiently to be a sustainable organization in the future.