the 2020 economy will decrease from -5.3% to - 8.1%, causing overall market uncertainty. The Company has adapted to support the situation by considering investing in the educational loan business. Under

, the Company has strong financial position among of the domestic economic uncertainty. The total assets increased 3,222.72 million baht or 6.78%. The net of total hire purchase loans increased 3,195.18

offering to fund new construction projects, which are still in the contract drafting and negotiation stages, introduces uncertainty. Therefore, they cannot comment on the appropriateness and reasonableness

The fast changing situation and high uncertainty due to external factors, especially the Covid-19 pandemic and digital disruption, affect several sectors, which in turn influences developmental

increase of 467 million baht or 4% y-y. For the third quarter of 2017, revenues amounted to 4,677 million baht, increasing by 317 million baht or 7% y-y and 3% q-q, due to an increase in credit card and

increased by 5% y-y, mainly due to the continual increase in credit card spending through online channels and marketing with business partners. In the first quarter of 2023, online credit card spending shared

, as well as the outstanding credit card balances, despite an increase in credit card spending. Nonetheless, macroeconomic factors and government stimulus measures remain influential, particularly the

Statement (Consolidated) Unit : Million Baht 2Q/19 1Q/20 2Q/20 %QoQ %YoY 1H19 1H20 %YoY Credit card income Loan income Hire-purchase income Other income 1,887 3,020 173 584 1,738 3,076 249 593 1,621 2,905 240

of the fiscal year of 2022, the Company has total sales (turnover) increase by 23.4% y-y, with the focus on credit card business, as a result of new product launching in accordance to the

the uncertainty of world economy reveals an impact on decreasing number of tourists (Source: Tourism Authority of Thailand). 3 ASIA’S BOUTIQUE AIRLINE For the second quarter of year 2019, the Company