Revenue 6,726.6 7,034.7 (308.1) (4.4) Total Operating Expenses 6,042.3 6,352.9 (310.6) (4.9) Profit 541.6 527.1 14.5 2.8 In the first half year of 2022, the epidemic situation of the Coronavirus Disease
expected to help After You reach a wider range of target customers. Focus on Expanding Oversea Branches In Q3/2023, After You opened its second branch in Hong Kong. The first branch in Hong Kong was
opportunities overseas to diversify its risk from relying solely on domestic revenue and to create long-term growth for the Company. In Q3/2024, the Company plans to open its first branch in a CLMV country in
services revenue, which increased by THB 1.63 million (+1.78%). In 2023, customers’ purchasing power began to slow down and significantly declined during the first two quarters of the year, which caused IT
digitization trend. It stays flat QoQ from full-quarter TTTBB revenue recognition offset by large projects closed in 4Q23. Market and Competitive Environment In the first quarter of 2024, Thailand's economic
new credit card product, namely the Digital Next Gen Credit Card, the Company's first digital credit card that delivers innovation and advanced security verification solutions which is in line with the
Company continues to seek overseas growth opportunities to diversify its revenue base away from domestic reliance and drive long-term growth. In Q3/2024, the Company plans to open its first branch in the
2024, with production down 18.6% over the first nine months, one of the largest drops in recent years outside of the COVID-19 impact. Recovery is expected to be gradual, potentially starting in Q3 2025
Loss (ECL) The ECL expense totaled 1,802 million baht, continuously reduced 9.3% from last quarter and reduced 5.1% from last year due to better GDP since the first quarter 2024 onwards, which resulting
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