building customer perception around service quality offering 24- month contracts with guaranteed quality service key differentiation. 3Q21 Operational summary In 3Q21, despite the shop closures for two

transferring credit limit into PromptPay account that customers have linked with their ID card or mobile 23% 64% 4% 9% 50% 31% 5% 14% Loans Credit card Hire Purchase Other Total Sales 58,408 MB Total Revenues

Mikka cafe branches with franchise contracts by focusing on distribution branches to provide services in provincial areas in large cities to increase opportunities to reach consumers. At the end of 2021

for growth abroad in order to create long-term growth and to diversify risks. As a result, within this year, the Company plans to sign more franchise contracts in CLMV countries to open After You

, which increased at a rate less than the increase in revenue. This is because there is a renewal of equipment for lease contracts that have expired and changes in the equipment life estimates in order to

opportunities abroad beyond Hong Kong, with plans to sign contracts with franchisees in CLMV countries to open After You dessert cafe in order to diversify risk of relying solely on domestic income and to create

foreign currencies, the Company has entered cross currency interest rate swap contracts to fully hedge its debt. Debentures, Solvency and Liquidity Management As of August 31, 2023, the Company has

total borrowings. However, in order to manage risk that might occur from the fluctuation in foreign currencies, the Company has entered cross currency interest rate swap contracts to fully hedge its debt

increase in logistic cost per contracts, (3) Rental and service fees, increased by THB 3.60 million, the increase was attributed to the fact that in 2021 the Company had received rental and service fee

. Without reasons to upgrades, consumers continue the usage of their existing devices which impact the overall IT market, especially IT devices such as PC and accessories which have specific life cycle