million or 40% from Q3/2022, corresponding to the increase in sales revenue, as well as the decrease in costs from higher production volumes and in economies of scale. • Gross Profit Margin in Q3/2023 was

cafés as well as the Company's ability to manage costs effectively. EBITDA margin in 2023 was 31.8%, slightly decrease from 2022. E B I T D A a n d E B I T D A M A R G I N : Q 4 / 2 0 2 3 K e y F i n a n

liabilities and license payable) was at 2.5x decrease from 2.9x in FY23 due to improving EBITDA and lower debt. Total equity was at Bt85,388mn, decreasing by -5.8% due to a decrease in retained earnings

/2024, the Company’s credit card revenue was 1,794 million baht, a decrease of 9.8% from the previous year, accounting for 36% of total revenues due to contraction of credit card receivable from the

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

at THB 190,489 million, a decrease slightly, mainly from petroleum related businesses. For the Company, it was affected by average selling price per unit that significantly declined with respect to

in a decrease in the cost-to-income ratio, which stood at 42.52 percent. KBank has set aside higher allowance for impairment loss on loans, in line with uncertainties from the ongoing economic slowdown

Subject : Resolutions of the Board of Directors approving the capital decrease, the capital increase, the allotment of newly issued ordinary shares to investors in private placement, the acquisition of

gains/losses wherein inventory gains decrease the cost of sales and inventory losses increase the cost of sales. Core Net Profit is the reported Net Profit less extraordinary items less tax adjusted

current reported period. The cost of sales is impacted by inventory gains/losses wherein inventory gains decrease the cost of sales and inventory losses increase the cost of sales. Core Net Profit is the