2018 despite a 4.4% y-on-y decline in natural gas price in Q4’2019. Note that the natural gas price is tied to the weighted average price from PTT’s pool gas. Cost of Electricity- Vietnam • Cost of

falling interest expenses. Meanwhile, non-interest income decreased Baht 1,030 million or 1.62 percent, due mainly to a decline in net insurance premiums. At the same time, operating expenses rose Baht

in Laos decreased 25.0% y-on-y (Baht 8 million in Q1’2018 to Baht 6 million in Q1’2019) due to the decline of water inflow and 75.0% q-on-q (Baht 24 million in Q4’2018 to Baht 6 million in Q1’2019

decline of water inflow. Other Sales and Service income • Other sales and service income in Q2’2019 increased 24.3% y-on-y to Baht 184 million and in 6M’2019 decreased 26.6% y-on-y to Baht 292 million

, respectively. • The decrease was mainly from the decline in operating revenue due to the temporary closure of dine-in areas from late of March to mid-May. Gross Profit and Gross Profit Margin • The Company’s

as certain banks had realized income from auction of mortgaged guarantee assets in the first quarter. Meanwhile, net fees and service income, in spite of an over-year decline, began to show signs of

to lower household income, sharp decline in employment, particularly in export-related manufacturing sectors, and high rate of household debt. Despite the government economic stimulus, the impact of

continued to decline. As of May 31, 2017, the Company’s total cards reached 7.87 million cards (including 2.40 million credit cards and 5.47 million member cards), net increasing by 59,000 cards from February

million or -37.88% YoY. This was due to the decline in average user spending on digital content services. Even though the average number of digital content users per month in 2022 was 6.07 million, up from

decline as a result of cancellation of fees on financial transactions via digital channels and a decrease in net premiums earned. Given that non-performing loans to total loans in this quarter crept