property development services with the focus on the quality of life of the residents managed with “Vibrant Community” concept and develop a home for lower-middle to upper-middle income earners at the

continued focus on maximising delivery and retail sales. These actions, along with careful management of all costs and expenses, resulted in the company making a net profit in the first quarter of 2021 of THB

regarding the Interest bearing debt to Equity ratio. The Company continued to focus on enhancing operational efficiency and capabilities, and on improving gross margin rates through the selection and

Purchase Agreement. Benefits of entering into the transaction are as follows: 1. Improvement in financial liquidity to focus investments on its core business 2. Decreasing THB 620 million of debts in terms

Company continues to focus on increasing operation and kiosks location management to increase total usage from both current and new customers. In 3rd quarter of 2020, as COVID-19 pandemic continues, despite

% 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

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

becoming NPLs, with a focus on swift and efficient management of recovery and collection. 15  Asset Quality Review KBank has conducted a review of credit policy and process including credit proposal