. The Company performance of the first quarter of 2022, the Company has total new sales increased by 41% y-y, mainly due to the continual increase in credit card spending through online channels and

baht increased 608 million baht or 12% y-y and 6% q-q. This is the result of continued growth in core business revenues especially in credit card increased by 17% y-y, which in line with increasing of

such as credit card cash advance and YourCash while credit card shopping showed recovery at 3% q-q supported by domestic consumption in supermarket, online shopping and traveling. In addition, the Bank

the first quarter of 2023 and increased by 0.7% in 2Q/2023. For the 2Q/2023, the Company has total new sales increased by 7% y-y, mainly due to the continual increase in credit card spending and

prices highly adjusted following the crude oil price and uncertainty of global demand and supply, which finally caused the Company’s overall raw material prices jumped up to 238.74 million baht, and

. Therefore, this results to lower entrepreneurs and workers income, increase in unemployment rate, people in general are worried about uncertainty financially. As a result, people will most likely postpone

, increase in unemployment rate, people in general are worried about uncertainty financially. As a result, people will most likely postpone their purchase a high value asset which buying a real estate is one

guideline for solving these issues in a tangible way. Moreover, there may be uncertainty regarding the conditions of related contracts under current negotiation. In addition, the IFA views that the offer

economic and social development of the country. It also helps country prepare for change in response to various impacts arising from the increasing uncertainty and volatility we are facing today. Moreover

higher than the minimum price as appraised by IFA if EMC is not able to satisfy the condition precedent. Moreover, the Project is exposed to legal risks on the issues of building modification; uncertainty