Costs In 2018, the Company had total interest paid of 810 million Baht, a decrease of 166 million Baht or 17% as compared to 2017. The decrease in finance cost was due to repayments in various of debt

amid high household debt, whereas public investment and the government’s budget disbursement were affected by a delay in the formation of a new government. Nevertheless, economic stability remained sound

revenue recognition from other business, which was in the investigation process. In addition, the Company has increased administrative expenses as a result of the various expenses related to the new

from credit card income grew by 18% y-y which corresponds to increasing in the volume of card spending and cash advance. Other income from bad debt recovery grew by 32% y-y. As at August 31, 2022, the

bad debt recovery for the first nine-months of 2022 were 1,202 million baht grew by 18% y-y and for the third quarter of 2022 was 406 million baht increased by 7% y-y but decreased by 1% q-q

Net Profit less extraordinary items less tax adjusted inventory gain/loss. Net Operating Debt is Net Debt (total debt less cash and current investments) less cash outflow for the various projects

and process of legal execution are as follows; 1. Cases in the process of court trial: 1 . 1 Media Agency Thai Co., Ltd. is in debt to the Company according to the purchase agreement to manage

- 1,584 (61.0) N/A Installment sale receivables 19 21 22 15.8 4.8 Others 3 4 0 (100.0) (100.0) Interest expenses 445 608 581 30.6 (4.4) Debt issued – debentures 254 401 384 51.2 (4.2) Debt issued

4 0 (100.0) (100.0) Interest expenses 445 608 581 30.6 (4.4) Debt issued – debentures 254 401 384 51.2 (4.2) Debt issued – promissory notes 71 18 20 (71.8) 11.1 Borrowings 120 189 177 47.5 (6.4

insurance products to respond to the customers’ needs. 4.3 Participating Dealer (PD), the bank was the PD for the fund management companies which had the various fund types consists of debt instruments and