next decade, such as volatility of capital flows, direction of the new rules and standards in connection with extraterritorial issues, world financial and economic connectivity with more intensified
both financial and non-financial services, as we continue to gear up for being “The Bank of AEC+3” along with being a Regional Digital Bank. We have established our business direction primarily by
Competitive Environment In 3Q24, Thailand showed positive sentiment emerged from the resolution of political uncertainty and a clearer economic direction and resuming of budget spending. These factors eased
World and sha ct to the Notif Transactions sure of Inform (2003). of the newly depends upo nternal contro of Directors rized by the n to the enter ctions as follow he Stock Exc ng the Acquis al of Assets
not Connected Tra sure of Inform 3). he day that s 2020. In this r ting, tax and n. this regard, y person, auth relation to the any actions as a) Determine relevant la b) Negotiate relation to Agreemen
line with the company’s revenue. Comparing the total revenue and the total operating expenses in Q3–2019 with Q2–2019 and Q3-2018 showed that the change rate had increased in the same direction and with
changed in line with the same direction of revenue. When comparing Q2-2022 to Q2-2021, it found that the decreasing rate of operating expenses is similar to the decreasing rate of revenue. However
effective in 2019. 2.2 The decrease gross profit margin in the remaining portion resulted from the Indirect costs, most of which are fixed costs, were not decreased in the same direction of Sales. Gross
is equal to 14.3%, which changed in the same direction of revenue. The major change was due to increasing of marketing and promotion expenses such as online advertisement and media, rental expenses and