increase in selling and distribution expenses. In addition, the increase in revenue allows the Company to benefit from economies of scale such as the logistics costs. +44% +36% 5 112 166 355 592 Q4/21 Q4/22

, transportation & logistics, Banking and Financial institute, and the Government sector. EBITDA with mid-single digit growth from our focus on profitability The foundation of Cognitive Tech-Co is in adopting

Paragon Platform and CloudX to serve data sovereignty targeting 6 sectors; manufacturing, retail, property, transportation & logistics, Banking and Financial institute, and the Government sector. EBITDA

experts in diverse fields, to ensure that our business operations achieve the set goals and generate the maximum benefit for all stakeholders.  Environment: KBank unveiled the Environmental and Energy

customer base within value chains, especially among businesses with brighter growth prospects, namely construction materials, energy, automobiles and parts, and consumer goods. In this quarter, KBank

. Overall, we always provide support to commercial loans and lending for energy efficiency as well as the harnessing of clean energy in place of fossil fuels, based on sound corporate governance practices

E_1 Legal_FA_2015_12_29-c A CorpL4.1hig A Executive Summary of Management Discussion and Analysis 1 For the Year Ending December 31, 2019 Thai economy in 2019 showed decelerating growth at 2.4 percent compared to 4.2 percent in the previous year.The slowdown could be attributed to exports which contracted further due to the stronger Baht and a global economic slowdown. In addition, the investment environment of both the public and private sector remained weak, and private consumption, albeit gro...

% Printings WPS 84.50 Printing service income 60.14 2.76% 0.00% Total - Printings 60.14 2.76% - 0.00% Logistics and education NML 99.99 Logistic income 114.46 5.25% 0.00% NU 90.00 Education income 66.85 3.06

from 3.3 percent in 2016 on the back of rising exports and a robust tourism sector, consistent with a stronger recovery in global demand. Headline inflation rose to 0.7 percent, following higher energy

million, an increase of 4.7%. SMEs loan comprises of several business sectors including Apartment & Hotel, Logistics, Commercial & Industrial and Construction Machinery & Materials. 12 Corporate Lending