lower D/E ratio was due to lower current liabilities as a result of lower raw material purchase and the contraction of sales in this quarter. (Unit: Baht million) Consolidated cash flows statement As at

สดัสว่นร้อยละ 37 ของจ ำนวนยอดสนิเช่ือเงินกู้ทัง้หมด 27% 63% 5% 5% Total Sales 17,417 MB 52% 31% 5% 12% Loans Credit card Hire Purchase Other Total Revenues 5,041 MB 4 - สนิเช่ือเช่ำซือ้ ยอดสินเช่ือเช่ำซือ้

current customer base by modifying the rewards criteria to allow all-year redemption, launching automatic points accumulation through in-app purchase, and adding product options or special discounts that

suppliers, which decreased from the year 2021 in line with the decrease in purchase amount. Cost of equipment for lease increased by 39. 4% . due to depreciation and maintenance costs of equipment for lease

, Property, and Equipment: increased by THB 5 million mainly due to the value of investment in branch expansion and the purchase of additional assets higher than the depreciation during the period. Total

budget on luxury goods thus delaying the purchase of IT products. The significant decrease in sale revenue was mainly attributed to Branch sales, which decreased by THB 701.92 million. This decline is a

branches. 110.00 38.66 71.34 2. Repay loans from financial institutions. 250.00 250.00 - 3. Working capital is used to purchase products and work capital in the business. 117.30 117.30 - 4. Invest in

ค่าตดัจ าหน่ายจากธุรกรรม Price Purchase Allocation ก ำไรสุทธิของบริษัทฯ ที่ไม่รวมผลจำกมำตรฐำนบัญชี (Normalized Net Income) ก ำไรสุทธิของบริษัทฯ ทีไ่ม่รวมผลจำกมำตรฐำนบัญชี Q2/61 Q1/62 Q2/62 เปลีย่นแปลง

and better respond to customer needs. However, there is also more intense competition after fees were waived for transactions via banks’ digital banking channels. Banks therefore need to acquire more

for clients; (b) providing information regarding capital market products or services for the assigned personnel under (a) to study and acquire the understanding of the details thereof before presenting