both financial and non-financial services, as we continue to gear up for being “The Bank of AEC+3” along with being a Regional Digital Bank. We have established our business direction primarily by

CORPORATION PUBLIC COMPANY LIMITED ASIMAR: ASIAN MARINE SERVICES PUBLIC COMPANY LIMITED ASK: ASIA SERMKIJ LEASING PUBLIC COMPANY LIMITED ASN: ASN BROKER PUBLIC COMPANY LIMITED ASP: ASIA PLUS GROUP HOLDINGS

in support of the national policy of making Thailand a cashless society. We always strive to bolster our capabilities in providing services via digital channels to promote increased digital

consumption and the improvement of the service sector according to the number of thai and foreign tourists. However, Public expenditure shrinks from both regular expenditure according to central budget

constrained by high household debt. Fierce competition continued and each bank attempted to develop products and services to serve customers through digital channels. New business models, together with insights

, the Board of Directors meeting approved the submission of the petition requesting for entering into business rehabilitation plan. Later the Central Bankruptcy court accepted the petition for the

conversion. On 13 November 2017, the Board of Directors meeting approved the submission of the petition requesting for entering into business rehabilitation plan. Later the Central Bankruptcy court accepted

system, or E-Wallet. The Company expects that the "After You" application will enhance the customer satisfaction toward the Company's services, meet the changing consumer behavior according to the New

or purchasing through food delivery services. G R O S S P R O F I T a n d G R O S S P R O F I T M A R G I N : • The Company’s EBITDA in Q4/2022 and 2022 were THB 83 million and THB 306 million

expansions. The tightening policies of major central banks – US, Europe, Japan, China - could also impact the Thai financial conditions. For the auto industry, the first 11 months showed continuous recovery