year by Baht 21.2 million or is equal to 5.5%. The main reason came from the spread of the COVID-19 virus which affected to the Company’s branches, where located in department stores, were closed by the

of asset management companies, securities companies and bank branches for investors? investment decision making. We believe that the Project will raise public awareness in starting investment plan at

the company has opened a total of 547 branches. In terms of revenue from domestic restaurant and bakery business decreased by 2. 1 percent or 128 million baht, with the same store sales of domestic

(Decrease) Amount % Bangkok and vicinity/2 96.75 85.30 11.45 13.43 Other provinces/3 19.79 15.34 4.44 28.95 Total 116.54 100.64 15.89 15.79 Bangkok and vicinity/ 2 Total 21 branches have been operated before

. 31, 19 Dec 31, 18 Amount % Bangkok and vicinity/2 419.08 383.93 35.15 9.16 Other provinces/3 87.24 72.10 15.14 21.00 Total 506.33 456.03 50.29 11.03 Bangkok and vicinity/2 Total 20 branches have been

Management Discussion & Analysis 2022 1 I 9 Branches upcountry 86% Bangkok and vicinity 14% Revenue structure categorized by business groups (Unit : Million Baht) 2021 2022 Increase (Decrease) %YoY Amount

our focus on becoming our Customers’ Main Bank. We prioritized development of products and services based on big data analysis and processing through collaboration of relevant divisions, branches and

government. In terms of sales channel management, during normal times prior to the outbreak of COVID-19, branches in shopping malls are considered as the main sales channel of the Group, accounting for

. Meanwhile, during this time with reduced revenue, the Group has taken immediate and significant measures to control costs such as negotiating with landlords to reduce rental in branches that were not be able

year 204.55 1.42% 183.00 1.35% (21.54) (10.53%) Branches upcountry 86% Bangkok and vicinity 14% Revenue structure categorized by business groups (Unit : Million Baht) 2022 2023 Increase (Decrease) %YoY