of rendering of services are as follows: Services income and Cost of rendering of services by segment Unit: THB Million 2020 2021 Inc./(Dec.) % Inc./(Dec.) Digital content via telecommunication

economy are seeking for value- for- money service. Operators introduced smaller package with lower speed of unlimited data to capture low-budget segment amidst weak consumer spending. Competition in fixed

due to the allowance for doubtful accounts from debtors. However, the Company has improved its operations as details below. 1. Quality customer selection, the Company has revised the credit approval

endeavors aim to understand and anticipate each individual customer’s needs under the “Segment of One” concept and to provide smart personalized “Financial and Life Solutions” to the right customer at the

’ Life Platform of Choice”, we have upgraded our capability in data compilation and analytics, allowing us to understand and anticipate each individual customer’s needs under the “Segment of One” while

re-opening the telecom shops in malls. Meanwhile, price competition remained fluid as operators continued offering low-end unlimited data plans in prepaid segment. Despite these challenges, we

Baht 20.00 million, Bill of exchange Baht 105 million and UOB's loans Baht 15 million and increased from trade accounts payable by extend credit term with vendors. Shareholders' equity increased by 25.67

Group places focus upon 1) Credit Business 2) Private Banking and 3) Investment Banking. For Credit Business which will focus on loan expansions to retail and Small and Medium Enterprise segment, the

-68.42% Operating results for each business segment are shown below: 1. Manufacturing and Selling of Special Cutting Tools unit: THB million 2019 2018 Change (THB million) Change (%) Revenue from External

segment, which allows customers to use their credit line to invest in order to gain returns on their property holdings, while the approved credit limit is based on discounted loan-to-value ratio. Being