decreased from Q3–2022 mainly due to decreasing in line with the decrease in revenue. Whereas the cost of sale and service in Q4–2022 increased by 15. 1% with lower than the increased rate in revenue when
No: AH 02022023 February 28th, 2023 Subject: Management Discussion & Analysis (MD&A) for the financial statements of fiscal year 2022 ended as of December 31, 2022 To: The President The Stock Exchange
service fees of THB 11.78 million, from the opening of 6 new branches during the period, (5) an increase in utility expenses of THB 6.08 million, from SMS to notify customers regarding scammers, increasing
depreciation of rental properties and leased vehicles, and (2) a decrease in investment property of THB 11.69 million (-31.98%) from the reclassification of building leased to A-Serv Service Company Limited, to
through branches increased by THB 92.75 million YoY (+7.52%). (4) Revenue from retail sales to corporate customers (Commercial) increased by THB 7.79 million YoY (+4.42%). (5) And service income increased
income from wholesale franchises increasing by THB 61.50 million YoY (+4.79%). Service revenue increased by THB 16.37 million YoY (+18.97%). The factors that contributed to the increase in revenue from
Financial Service Co.,Ltd. (Japan) (AFS), while the bad debt recovery which increased 13.7% year on year. The Company plans to focus more on expanding fee- based income. This strategy aims to diversify
shall comply with the regulations under Chapter 7; (8) capital market product trading service with limited discretion according to clients’ pre-determined investment scope shall comply with the