the commercial bank during the second quarter of 2023 to the fourth quarter of 2023 causing a higher interest rate in the first quarter of 2024. In addition, the Group had loans addition for investment

earnings before interest and tax, depreciation, amortization, and rent (EBITDAR) were derived from total income (excluding dividend income, gain on sale of investments, gain on sale of assets, interest

of THB 0. 024, comparing to a net profit of THB 1. 39 million or earnings per share of THB 0. 001 during the third quarter last year, a decrease of THB 27.53 million. Net profit for the first 9 months

and its subsidiaries had total shareholder equity of 423.3 MB which decreased from December 31, 2019 in amount of 24.8 MB due to the adjustment of the cumulative effects from the retained earnings by

baht to 6,455.8 million baht or around 3.5 percent. The earnings before interest and tax, depreciation, amortization, and rent (EBITDAR) were derived from total income (excluding dividend income, gain on

relationship with all customer groups and to propose the complete financial products and services to respond the demanding of each customer group. The bank shall consider the loan type, interest rate, credit

customer groups and to propose the complete financial products and services to respond the demanding of each customer group. The bank shall consider the loan type, interest rate, credit type, repayment

12.21 28.33 232.02% 18.55% 6.95% Revenues from reduction of defaulted interest under the Court's order 0.00 16.66 (16.66 ) (100.00%) 0.00% 9.48% Gain on disposal of land held for development 1.27 0.00

expenses increased slightly by only 0.15% from Baht 389.26 million in Q1 2020 to Baht 389.86 million in Q1 2021. Core operating profit (defined as Earnings before Interests and Taxes exclude interest income

%. SG&A in terms of % to revenue improved from 6.8% in Q1 2021 to 5.8% in Q1 2022. Core operating profit (defined as Earnings before Interests and Taxes exclude interest income, gain (loss) on exchange