expanding more online service channels to customers and reduced the Company’s operation cost. As a result, the Cardless transactions currently accounted for 91% of total personal loan sales. 4 - Hire Purchase

, decreased by 63% y-y respectively. The Company has been expanding more online service channels to customers and reduced the Company’s operation cost such as the number of ATMs machine and operational areas in

having a tendency to decline as the GDP is expanding. Moreover, the number of unemployed in the 4Q/2022 amounted 4.62 hundred thousand people, or an unemployment rate of 1.2%, remained stable from the

, reduced by 94 million baht, or 4% from the same quarter of previous year. The income from loans has 46% proportion of total revenues. However, the Company has been expanding more online service channels to

and 19% YoY. We achieved Reported EBITDA of US$85M, due to inventory gains. Lifestyle fibers vertical had a strong performance in 1Q21 with core EBITDA growing 52% QoQ and 87% YoY. This was driven by

management while expanding into profitable segment with higher asset quality taking in careful considerations the economic conditions. The overall Bank’s loan portfolio as of end of 3Q20 expanded by 8.2% 2

for all products. These measures would be effective in the first quarter of 2019. The growth of credit card business and personal loan business in Thailand was still growing strongly despite the

planed in both countries. Moreover, the company sees potential in growing vending machine channel, where potential partner has been identified and the company expect to close the deal within 2019

rapid increase of the number of Internet users; and the growing recognition of these media as effective advertising and marketing tools. Within the OOH media landscape, the trend has shifted from the sole

continuous decline in global HRC prices and concerns about the growing spread of global epidemic of COVID 2019 towards the end of 1st quarter of 2020. This also resulted resulting in slowing orders from