result, as of 31 March 2023, the Company had a total of 53 branches. Offering new products to enhance the customer experience. During Q1/2023, the Company continued to introduce new unique products, such

providing wider ranges of innovative products and services matching the customers’ multi-dimensional needs. Enterprise business had the most direct impact from the global economic slowdown, especially in the

cautious in expanding high-risk loans. As of August 31, 2023, the Company had business distributions as below; Number of Networks and Merchandise Partners Aug 31, 2022 Feb 28, 2023 Aug 31, 2023 Branches

expanding high-risk loans. As of November 30, 2023, the Company had business distributions as below; Number of Networks and Merchandise Partners Feb 28, 2023 Aug 31, 2023 Nov 30, 2023 Branches Bangkok

of February 29, 2024, the Company had business distributions as below; Number of Networks and Merchandise Partners Feb 28, 2022 Feb 28, 2023 Feb 29, 2024 Branches Bangkok Other Provinces 101 branches

/2024, the Company had total consolidated expenses of 4,591 million baht. Details of expenses are shown as follows: Operating and Administrative Expenses The consolidated operating and administrative

rating, disclose whether or not the issuer, its guarantor or any of their related parties had paid any fee or benefit of any kind to the credit rating agency in consideration for the credit rating. M

FACTORS 1. The registration statement shall prominently disclose risk factors that are specific to the issuer and its industry and had materially affected or could materially affect, directly or indirectly

sustain its growth. Overall, however, it was plagued by weak exports and tourism amid the global economic slowdown. Aside from these challenges, businesses had to contend with more complex competition

) and its subsidiaries were affected by the COVID-19 outbreak which had an extensive impact on the entire world. Economic activities slowed down with significance, which was the factor putting pressure on