businesses since we focus on expanding customer base with business expertise • Overall gross profit margin increased from 9.8% to 11.3% amount Baht 45 million. 2019 2018 Change % Change Revenue 1,839 1,673 167

Discussion & Analysis Q3/2023 Executive Summary Significant Event Focus on Expanding Luggaw and Mikka Cafe In Q3/2023, the Company opened a new Luggaw branch in July at Unicorn Tower Phayathai, and the another

Significant Event Focus on Developing and Expanding Luggaw and Mikka café The Company plans to open an additional 5 “Luggaw” branches during 2H/2024. In Q2/2024, the Company expanded 4 new Luggaw café, located

, commercial banks, related agencies and securities issuers, who have joined forces in this endeavor. The SEC will cooperate with all relevant parties in the effort to further develop the project by expanding

market. Cost of Sales Cost of sales for 2Q2017 was THB 3,486 million, an increase of THB 124 million or 3.66% up from 2Q2016 mainly from increasing in sales and production volume primarily on higher sales

increasing from Baht 150 million during 1Q18 and from gain on sale of foreclosed properties totaled Baht 64 million, declining from gain of Baht 160 million recorded during 1Q18. During 1Q19, the Bank sold

, associates, and joint ventures showed the profit of Baht 2,262.77 million, compared with the profit of Baht 1,752.04 million of the 2 nd quarter of 2018, increasing by Baht 510.73 million, or 29.2 percent. The

associates and joint ventures Share of profits in associates and joint ventures for the 3 rd quarter of 2018 was Baht 1,084.03 million, increasing by Baht 83.40 million or 8.3 percent from Baht 1,000.63

sold and increasing in unit rate which is adjusted in line with the increase in average natural gas price. 3 Cost of sales and service Cost of sales and service for the period ended 30 June 2023 and 2022

economic recession, inflation rates, increasing household debt, and rising interest rates led to a higher cost of living, which increased prices for IT products, posing pressure for consumers to reduce their