65.95 67.77 -1.82 -2.7% Administrative expenses 122.77 115.49 7.28 6.3% Total expenses 2,616.41 3,065.73 -449.32 -14.7% Earning before interest and tax 159.52 253.50 -93.98 -37.1% Finance cost -3.67 -5.55

-255.22 -40.0% Selling expenses 10.96 15.50 -4.54 -29.3% Administrative expenses 27.15 36.60 -9.45 -25.8% Total expenses 421.24 690.45 -269.21 -39.0% Earning before interest and tax -4.65 34.93 -39.58

profit of 2,643 million baht, an increase of 136 million baht or 5% y-y, and earning per share was 10.57 baht due to the Company is focusing on marketing through online channels as a result of reducing

parent for the period was reported at 1,459 million baht, and earning per share was 5.84 Baht. And the profit attributable to the owners for the parent for the 2Q/2023 was 842 million baht, increasing 36

, and earning per share was 8.66 Baht. And the profit attributable to the owners for the parent for the 3Q/2023 was 706 million baht, reducing 16% from the previous quarter, which equivalent to the

or 10.3 percent from the third quarter of 2018. Net interest income rose by Baht 167 million or 0.9 percent as an increase in yield on earning assets in all categories from the previous quarter

. 1. Credit card loan measures (1) Establish credit limits for new credit card applicants based on their monthly income as 3 deemed appropriate for their debt servicing ability: - For applicants earning

from the first half of 2018. Net interest income rose by Baht 1,239 million or 3.6 percent predominantly on improved yield on earning assets. Non- interest income fell by Baht 4,220 million or 15.0

Baht 585 million from the same period last year. Net interest income rose by Baht 925 million predominantly due to improved yield on earning assets and an expansion of average loans. Non-interest income

-term loans and the increase in shareholders' equity from net profit. Return on assets was 14.3%, increased from the previous year from asset management to earning more efficiency. Return on equity was