demonstrated a cautious growth from expansions of private consumption and tourism sector, while facing global and local economic headwinds and challenges from high interest rate environment. Overall, AIS

the real estate has an income guarantee, specify significant information such as conditions of the income guarantee agreement and information on the guarantor and credit rating (if any); - summarized

quarter but may be restrained by vulnerable and highly uncertain household income as well as elevated household debt. These factors are causing customers to be cautious on spending. Moreover, the tourism

Revenues 6,494.0 7,354.0 -860.0 -11.7 Sales and service income 6,436.4 7,152.6 -716.2 -10.0 Gains on exchange rate 2.8 110.9 -108.1 -97.5 Other income 54.8 90.5 -35.7 -39.5 Cost of sales and services 5,880.6

expense and income tax expense rose slightly, by Baht 78 million or 0.33 percent over-quarter, as a result of an increase of Baht 450 million or 2.90 percent in non-interest income, and an increase of Baht

period last year, especially in the tourism sector. However, exports and private investment – two major economic drivers – continued to slow in line with the sluggish global economy and trade volume amid

from slow investment from private sector and export sector. Additionally, Thailand’s tourism has shown slow pace from a drop in international tourist arrival, especially Chinese tourists (Source: The

(Loss) 541.37 8.42% 611.06 11.08% (69.70) (11.41%) Other Income 6.83 0.11% 4.95 0.09% 1.88 37.87% SG&A (108.93) (1.69%) (118.89) (2.16%) 9.96 (8.38%) Expected Credit Loss (20.19) (0.31%) (1.85) (0.03

consumption and the improvement of the service sector according to the number of thai and foreign tourists. However, Public expenditure shrinks from both regular expenditure according to central budget

7,579.9 8,197.2 -617.3 -7.5% Sales and service income 7,452.3 8,125.9 -673.5 -8.3% Gains on exchange rate 18.7 0.0 18.7 N/A Other income 108.9 71.4 37.5 52.6% Cost of sales and services 6,744.6 7,099.7