1.8 billion, due predominantly to expenses related to developing working systems and improving the efficiency of business operations. Net profit (attributable to the Bank) in the second quarter of 2017

premises and equipment expenses and other expenses, which mainly from expenses for developing working systems and improving efficiency of business operations, and marketing expenses. In the first half of

expanding construction business group supporting the EEC project. In terms of economic stability, employment rate decreased following to the economic situation while the cost of production reduced, especially

satisfactory, the company has set a target to expand at least 100 branches by 2021 in order to meet the rising demand and foster brand recognition. The Company will emphasize on expanding the branches in areas

% yoy, +6% qoq) and non- mobile enterprise business grew 13% yoy. We continued on with cost optimization while expanding 5G network which resulted in controlled cost of service (+3% yoy, -0.5% qoq) and

continued pursuing debt collection respectively. However, the Company has been expanding more online service channels to customers and reduced the Company’s operation cost. As a result, the Cardless

Customer Confident Index Significant Events & Business Direction 2 Reopening of Dessert Cafés and Expanding of After You Branches According to Higher Demand of Customers As of 31 December 2022, the Company

cautious in expanding high-risk loans. As of August 31, 2023, the Company had business distributions as below; Number of Networks and Merchandise Partners Aug 31, 2022 Feb 28, 2023 Aug 31, 2023 Branches

expanding high-risk loans. As of November 30, 2023, the Company had business distributions as below; Number of Networks and Merchandise Partners Feb 28, 2023 Aug 31, 2023 Nov 30, 2023 Branches Bangkok

an aggregate amount of US$235 million ("the Loan Facility"). The purpose of the Loan Facility is to finance B.Grimm Power’s projects in the ADB developing member countries Progress of Collaboration