demonstrated a cautious growth from expansions of private consumption and tourism sector, while facing global and local economic headwinds and challenges from high interest rate environment. Overall, AIS

from credit card increased 6%, in line with continued growth in card spending. However, although the overall economic growth rate of the country has a better outlook, there are risks from the slow

with continued growth in card spending. However, although the overall economic growth rate of the country has a better outlook, it is lower than the situation prior to the Covid-19 pandemic, especially

branches, contributing to the overall increase in rental and service fees. (4) Bank fees, increased by THB 15.80 million, in alignment with the increase in Branch and Online sales volumes. (5) Depreciation

. Without reasons to upgrades, consumers continue the usage of their existing devices which impact the overall IT market, especially IT devices such as PC and accessories which have specific life cycle

selling. As a result, the number of projects will increase from year 2022 and the overall gross profit margin of year 2023 decrease slightly. This is because the number of projects in the market is quite

restaurants, and self-service restaurants. Significant Events Financial Performance Management Discussion & Analysis Q4/2023 Executive Summary Overall operating results of the Company in Q4/2023 Q4/22 Q4/23

, and mobile phones to support remote working and learning during the pandemic. Without reasons to upgrades, consumers continue the usage of their existing devices which impact the overall IT market

needs, including those with higher data offerings, 5G packages, or content-bundling packages combining multiple services. This contributed to overall positive trajectory of industry ARPU. Additionally

. However, the revenue from credit card increased 2%, in line with continued growth in card spending and aligned with the credit card receivables in the industry. However, although the overall economic growth