, in regards to the current economic situation which is in an improved trend but the risks to asset quality remained in concerns. The Company therefore remains cautious in expanding high-risk loans. As

Financial Service Co.,Ltd. (Japan) (AFS), while the bad debt recovery which increased 13.7% year on year. The Company plans to focus more on expanding fee- based income. This strategy aims to diversify

expanding health care service providers including check-up and occupational health for general clients aimed to enhance the Company’s sustainability growth which involves the next step of expanding scope of

The meeting discussed significant and challenging issues such as harmful, but legal conduct. In this regard, the SEC Secretary-General shared her view on the importance of information disclosure

was in accordance with company’s continually expanding strategy and well management in sales and marketing function. The company; therefore, can gain more market share. 2. Selling and Administrative

and depreciation from the expanding capacity of subsidiaries. 3. Selling and administrative expenses increased by Baht 21.38 million or 30.76% the main reasons are the expenses incurred from the

still expanding and has a bright future as well as continue to seek stability, safety and consider to all interested persons. Please be informed accordingly. Sincerely Yours, Mr.Thakoon Boonparn Managing

. Cost of hospital operations & Administrative expenses increased by Baht 49.04 million or 9.45 % due to the Medical personal expenses increased because of the expanding capacity of subsidiaries. 3

the expanding capacity of subsidiaries. 3. Selling and administrative expensed decreased by Baht 5.21 million or 5.73 % the main reasons are the expenses incurred from the decreasing of personal

. Cost of hospital operations & Administrative expenses increased by Baht 29.44 million or 10.92 % due to the Medical personal expenses also increased because of the expanding capacity of subsidiaries. 3