was THB 0.60 million as high proportion of the costs was employee-related costs which are fixed costs. Consequently, in 9 M2021, the Company had services income from providing online advertising for

which were fixed costs. Other income In 2022, other income was THB 2.90 million, increase by THB 2.21 million or + 320.40% YoY, mainly due to the increase in interest income. In addition, in 2022, the

September, 2018 and 2019. The Company has totaled other operating expenses consisting of (1) Employee expenses ( 2) Director’ s remuneration ( 3) Premises and equipment expenses ( 4) Tax and duties ( 5

Development) million baht 7,378 6,976 7,319 Operating expenses (include Research and Development) to sales (%) 13.90% 14.17% 15.61% profit marginOperating (%) 8.94% 11.32% 10.87% Other income to total revenues

Research and Development) million baht 8,180 7,378 6,976 Operating expenses (including Research and Development) to sales (%) 16.00% 13.90% 14.17% Operating profit margin (%) 4.48% 8.94% 11.32% Other income

% 149.1% 62,675 50,025 25.3% Operating expenses 15,988 12,679 16,344 26.1% (2.2)% 54,963 55,165 (0.4)% Impairment loss of loans and debt securities 16,342 5,381 2,765 203.7% 491.0% 32,351 21,965 47.3

and beverages 258.3 35.4% 277.2 36.6% Other operating expenses 293.9 40.3% 306.7 40.5% Costs of Sales and Service 552.2 75.7% 583.9 77.2% Gross Profit (After deduct Costs of foods and beverages) 471.1

university’s semester to April 2018. Share of profits from investment was THB 3 million, a 50% decrease yoy, primarily attributable to pre-operating expenses of Philippine Hoteliers International Center for

standards on financial instruments measured at fair value whose valuation was affected by the unprecedented Covid-19 outbreak which resulted in poor market conditions. The Bank’s operating expenses decreased

starting in Q3–2021 are lower project value. Total operating expenses in Q3-2021 decreased in line with revenue decreases when compare to Q2–2021 and Q3–2020 at a similar rate to the decreased rate in