tourism as a result of travel bans together with weak domestic consumption that has started since the last quarter of 2019 has led After You to slowdown major branch expansion and concentrate more on

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ordinary persons categorized in the institutional investor group to not receive appropriate protection when engaging in Repo transactions with business operators.The SEC is therefore proposing to amend the

can also be categorized by industrial sector in which  it invests, for example, if invested in transportation system project, infrastructure fund will be listed under transportation and logistics sector

higher competition. The company recorded revenue from services of 579.03 million Baht which increased from the last year totaling 431.89 million Baht or 293.52% due to the expansion of construction

business expansion and hire purchase sales from overseas business grew by 60% y-y, especially from business in Cambodia grew by 79% y-y. For the fourth quarter of 2019, the Company had hire purchase revenue

through franchise models • Focus on regional branch expansion throughout major cities in order to create opportunities to capture more customers • Target to expand to total of 100 branches by the end of

Management Discussion & Analysis 2022 1 I 9 Branches upcountry 86% Bangkok and vicinity 14% Revenue structure categorized by business groups (Unit : Million Baht) 2021 2022 Increase (Decrease) %YoY Amount

quarter of 2018 continued to improve. Export performance remained strong, with 12.3 percent year-on-year expansion. Tourism also continued to perform well despite the end of the high season, as tourist

by Baht 11.33 million or 2.40 % due to the Medical personal expenses increased from the expansion of the subsidiaries. 3.Administrative expenses increased by Baht 29.82 million or 30.84 % due to the