Siam Digital Lending Co., Ltd. is committed to transforming the financial experience of customers in Thailand, with the ambition of becoming a leading player in the financial industry. In line with the global shift toward strengthening economic stability in the post-COVID-19 era, our business plays an increasingly important role today. The Company applies a careful and selective approach to onboarding customers, who must consent to the verification of their information with relevant agencies as part of the loan application and approval process. We also operate with a strong emphasis on risk management to control non-performing loans and to assess customers' ability to repay. Borrowers are approved for credit limits at appropriate levels in accordance with the Company's criteria, which align with the regulations of the Bank of Thailand.