Commart events in 2022 which were organized three times, compared to two times in 2021. (2) Branch expansion and renovation, which in 2022 the Company had opened 10 new branches located in shopping malls

branch expansion and branch renovation to attract customers. For branch expansion, the Company focused on opening new branches in large shopping malls and major cities. While for branch renovation, the

communications technology work for the construction project of the new parliament building and accompanying buildings of the Secretariat of the House of Representatives, etc. Total operating expenses in 2023

efficiency of current CPU architectures, and the lack of applications that require higher performance of new PC. All of which led to the slowdown in growth of the IT and innovative product market in 2023

of the government sector in the first half of 2023. Finance costs for the period ended 30 June 2024 and 2023 are presented below: Finance costs comprise of interest expense from loans for the new

ended 30 September 2024 and 2023 are presented below: Finance costs comprise of interest expense from loans for investment in new projects which in the process of development and construction, interest

dormant credit card accounts to boost spending and sustain asset quality. It has also targeted new segments, such as young online shoppers, by introducing high secure digital credit cards aligned with its

into the market as compared to the previous year. Furthermore, the amount of NPLs to loans ratio is higher, coupled with the new accounting standard which would put some pressure to several financial

new directors to hold more than half of the board seat, and will appoint executives to hold key managerial positions, including the Chief Executive Officer (CEO) of the Company. The said Allocation and

shares of the Company and indirectly hold 18.97 percent of the total issued shares of the Company through GSTEL (after registration of the Company’s paid-up capital)1 , will nominate new directors to hold