expansion is still subjected to the rising cost of living, in which the inflation rate in 4Q/2022 reached 5.8%, the household debt ratio is considered high amid the increasing trend of interest burden but

truck segment due to rising problem loans. Domestic car sales decreased by 12.4% to 188,910 units as a result. Export volume increased by 0.6% to 295,640 units. For the period of January to December

in the pickup truck segment due to their rising credit costs. The delay in approval of the 2024 fiscal budget by several months also contributed to the slowdown in government spending, investment, and

Equity Tier 1 ratio by 1.0 percent in total, beginning with a 0.5 percent increase from January 1, 2019, rising to 1.0 percent from January 1, 2020 onwards. For the Bank, with the inclusion of net profit

tire cord producer in Europe and globally with synergies across the automotive platform. o Medco (expected completion in 4Q18) - strengthens IVL packaging footprint in attractive and growing African

favorite singers, Etc. all of which therefore result in the still growing well of the total usage amount. 2 Forth Smart Service Public Company Limited (FSMART) FY18 Management Discussion and Analysis

3.5% YoY. However, the money transfer service, of which the Company is the banking agent for 6 banks, has been growing consistently with 1,159,351 transactions per month, increasing 25.3% YoY, as well

payables paid by the Company and accrued dividend. Total equity was THB 1,229mn growing by THB 71mn or 6.1%. This was attributed to an increase in unappropriated retained earnings from 1Q and 2Q 2017

has been growing steadily due to the continued economic stimulus of the government and the economic pressure in previous year both from domestic and international have been reducing its negative impacts

. ledgement. uccess in Syn h business se Forw s continues company‘s c mera market. s is growing a e company k value of d e expansion ness in lon xpected to in ss performa pansion and mall project Company ex