prior years. As the COVID-19 situation improved this year, the study and work conditions are beginning to return to normal. In 2023, cost of sales and services amounted to THB 12,337.37 million, decreased

Page 1 of 10 Management Discussion & Analysis Q3/2024 1. Overview of Business Operations, Economy, and Industrial Conditions Affecting Operations In Q3/2024, Thailand's economic outlook shows signs

reflecting more cautious lending practices to align with the current economic conditions. Moreover, the Company has expanded its service channels through the online platform, which is more convenient for

accordance with the methods and conditions specified by the Company. The Company shall then transfer the asset to the highest bidder, under the condition that the price of each asset, regardless of any

methods. “ property fund manager ” means a property fund manager under the Notification of the Office of the Securities and Exchange Commission concerning Rules, Conditions and Procedures for Establishment

to the conditions of the SPA, the company must fulfill two Conditions Precedents (CP) as followed: (a) The company is granted approval by the company’s shareholders to enter into the shares purchase

expected credit loss by considering economic conditions in the past, present, and future under various assumptions and circumstances.However, the Covid-19 outbreak has dramatically affected the Thai and

Supervisory Board No. Tor Thor. 32/2559 Re: Rules, Conditions, and Procedures for Operation of Securities Clearing Houses and Central Securities Depositories By virtue of Section 16/6, Section 223/3, and

our customers, we provide them with products that are well-suited to market conditions. Focus has thus been on development of personnel and work processes. Furthermore, we provide value chain management

account opening process. In this regard, the procedure should be in accordance with the guidelines of the Office Re: Rules, Conditions and Procedures for Risk Management System to Prevent Money Laundering