maintain risks within prudent limits. 8 2.3 Liquidity Risk Management Overall liquidity in the Thai banking system eased during the first quarter due to a decrease in loans amid brisk repayment of working

mainly to employee expenses and repair and maintenance of premises and equipment expenses, whereas marketing expenses fell. As a result, our cost- to-income ratio stood at 42.70 percent, which was still

Working Capital-LLCs  The Best Cash Management Bank in Thailand from The Asian Banker journal  Best DCM House in Thailand from FinanceAsia magazine  Five awards from Marketeer magazine: No. 1 Brand

and equipment 363,409 486,095 -25% Margin 134,072 167,511 -20% Beauty services 341,408 410,352 -17% Margin 100 (10,896) -101% Revenues by business H1/2017 H1/2016 YoY THB’000 THB’000 Distributor of

. The Company has 3 subsidiaries, Aurum and Aurum Company Limited, M&M 2007 Co. which operates raw material and equipment sourcing and import, and After You Hong Kong Limited (not yet operated) , together

equipment 415,547 363,409 14% Margin 127,930 174,482 -27% Beauty services 54,223 341,408 -84% Margin 21,779 (44,906) 148% Revenues by business THB’000 Consolidated H1/2018 H1/2017 ∆% Distributor of medical

quarter of 2018, credit demand improved from the previous quarter, due to SMEs’ requirements for working capital and inventory build-up purposes, especially in the agricultural sector. Demand for loans from

revenue. Operation Overview Annual Balance Change 2023 2022 2023 VS 2022 (MB) (MB) % Rental income from equipment for lease 319.7 259.4 60.3 23.2 Gain from sales of investment - 108.6 (108.6) (100.0) Other

received amount as the Company’s working capital. 7. Criteria to Determine the Value of Consideration: The Total Value of Consideration was calculated based on SBITO’s Book Value as of March 31, 2017 which

-19 crisis. This includes setting up an alternative site, installing a remote working support system, and delegating remote working teams to mitigate operational risk, to ensure that the overall