% YoY, as a result of the Company’s strategy to focus on managing existing kiosk locations, and on utilizing the fully-depreciated kiosks, which make the total assets mainly affected from the depreciation

and overcome challenges arising from delivering processes. At the moment, frozen products are in the focus on R&D team as it is easier to be delivered. In addition to the take-away products, the company

landlord. 2. Research and develop of new products for New Normal: focus on research and development of Take-away and To Go products as well as develop appropriate packaging to be in line with the new

users representing 6% of active customers of the Company. The company more focus on sales activities on online channel in order to be in line with consumer behavior. Details of each business can be

of the fiscal year of 2022, the Company has total sales (turnover) increase by 23.4% y-y, with the focus on credit card business, as a result of new product launching in accordance to the

focus on specific customer groups to reduce the risk of asset quality by being conservative in personal loans and hire purchase. Profit and Loss Statement Unit : Million Baht Consolidated Separated 1Q/22

interest in AI technology. Additionally, sales have been boosted by various accessory products. The company continues to focus on a strategy of selling accessories alongside primary products, which helps

objectives which the Group places focus upon 1) Credit Business 2) Private Banking and 3) Investment Banking. For Credit Business which will focus on loan expansions to retail and Small and Medium Enterprise

closely together in order to achieve combined results in the three business objectives which the Group places focus upon 1) Credit Business 2) Private Banking and 3) Investment Banking. For Credit Business

รวดเร็ว ดังนั้น หากให้หน่วยงานใดหน่วยงานหนึ่งรับผิดชอบทั้ง 2 บทบาทดังกล่าวอาจท าให้ขาด focus ที่ชัดเจนและ อาจเป็นข้อจ ากัดที่ท าให้ไม่สามารถท าหน้าที่ได้อย่างเต็มประสิทธิภาพ  ความจ าเป็นท่ีต้องตรากฎหมาย