from credit card income grew by 18% y-y which corresponds to increasing in the volume of card spending and cash advance. Other income from bad debt recovery grew by 32% y-y. As at August 31, 2022, the

bad debt recovery for the first nine-months of 2022 were 1,202 million baht grew by 18% y-y and for the third quarter of 2022 was 406 million baht increased by 7% y-y but decreased by 1% q-q

finance cost for our Portugal operations. However, our net finance cost reduce to Baht 76.7 million, compared to Baht 88.4 million in Q1 2023 in line with our net interest bearing debt level. Net profit

financing cost stood at 2.80% Net debt to equity ratio stood at 0.16x Capital Structure As of June 30, 2018, CPN reported total interest-bearing debt of THB 12,722 mn, an increase from the balance as of

decline could be attributed to an increase of Baht 1,493 million or 16.36 percent in our impairment loss on loans and debt securities to cope with economic uncertainties. Operating profit before provision

could be attributed to a decrease of Baht 221 million, or 2.08 percent in impairment loss on loans and debt securities and an increase of Baht 835 million, or 2.13 percent in net operating income which

improvement in shipping costs and adjustment of commission policy which was adjusted to pay at lower rate than last year. 8. Administrative expenses In 2018, administrative expenses increased by Baht 20. 0

, urgent shipping, collecting online-shopping products, item deposit and bill payment service Registration date: 10 January 2013 Date of Investment: 29 November 2017 Registered capital: 7,118,800 Baht

million Baht, by decreasing in terms of distribution costs. As a result of the shipping cost to distribute goods both domestically and internationally, promotional and commission fees, when the sales volume

affected by the COVID-19 epidemic crisis in any way. Selling and administrative expenses in the first quarter 2020 decreased by 4.95 million baht from the same period last year. Due to the reduced shipping