revenue due to the decrease in consumers’ purchasing power as a result of the impact from the new wave of COVID-19 outbreak, as well as the temporary closure of some branches according to government

dessert café which has a higher gross profit margin than sales from takeaways or purchasing through food delivery services. In addition, the Company has increased the price of some products since March 2022

in gross profit was mainly due to increase in the proportion of sales from dessert café (Dine-in) which has a higher gross profit margin than sales from takeaways or purchasing through food delivery

customers with high purchasing power, DIY, Accessories, Smartphones, and Television. Notably, in 2022, the Company planned to sell a wide range of Apple products to reinforce its brand positioning and

(+6.05%). The purchasing power of customers has been declining since the third and fourth quarters of last year, which caused IT device sales to significantly decline. The main cause for the decline is the

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

modification in a non-selective manner. 3.4 A CRA should disclose its policies and procedures that address the issuance of unsolicited credit ratings. 3.5 A CRA should disclose its policies and procedures for

policy to ensure that KBank has effectively and practically implemented market conduct management which is in alignment with customers’ needs and purchasing power, through in-depth understanding of them

that we can hear feedback from our targeted consumers before leveraging our mainstream operation. We targeted these launches in selective channels, especially e-commerce, sport venues, fitness centers

, (iii) development of our high potential properties to become income generating assets and (iv) selective asset divestment of matured or strategically unaligned asset. So far, the Company has disposed of