products such as car exhausted pipes with its high gross margin, higher production costs per unit from fixed costs due to the significant reduced production in the quarter as a result of reduced orders from

% Total Revenues 16,297 MB 4 - Hire Purchase For the first nine-months of 2020, motorcycle and used car hire purchase in Thailand and electrical appliances, mobile phones in overseas business, with the

first nine-months of 2021, motorcycle and used car hire purchase in Thailand and electrical appliances, mobile phones in overseas business, with the revenues of 805 million baht, increasing by 67 million

operating cost to operating income ratio Net interest margin (NIM) Gross NPLs total loans Tier 1 capital ratio CAR ratio Net debt to EBITDA Interest coverage ratio Debt service coverage ratio Debt to equity

a result of success digitalization for the Company’s sustainability development. - Hire Purchase For the 1H/2023 financial results, motorcycle and used car hire purchase in Thailand and electrical

quarter, because there is no sale of written-off receivables in this quarter. However, in comparison of the 9M/2023’s revenue to the same period last year, the revenue from credit card increased 5%, in line

driven by glycerine supply glut from increasing biodiesel blending rate of leading biodiesel producers in global market significantly affected to the company’ s methyl ester business. However, fatty

a contraction in overall vehicle sales. Other personal loans and credit card loans decreased in tandem with a decline in private consumption growth. Looking forward, financial institutions expect

appreciation. Private consumption grew at a slower rate than in the first half of the year, especially spending on durable goods in line with a contraction in domestic vehicle sales. In response, the government

% YoY, driven by recovery in volumes starting from 4Q20, notably strong demand seen in the tire segment, as well as improved margins. Global light vehicle sales are expected to remain strong into 2Q21