be consistent with consumer’s behavior. Moreover, our revenue from bad debt recovery continued growing by 31% y-y. Details of each business can be described as follows: Profit and Loss Statement

cardless cashing totally online shopping increased around 2 times and cardless cashing share more than 30% of total personal loans. Moreover, our revenue from bad debt recovery growing by 11% y-y. Details of

fast growing market through a quality bank of scale  Uniquely positions the Bank to capture new and expanding opportunities arising from increasing ASEAN financial and economic integration  Increases

personal expenses and the depreciation because of the expanding capacity of subsidiaries. Sincerely yours, (Mr.Pongpat Patanavanich) Managing Director

Consolidated net loss for the period (Q1) amount -4.57 million compare with the same period (Q1) for the last year amount -2.80 because the Company Cost of Market Development of Expanding the customer base and

operations & Administrative expenses increased by Baht 97.94 million or 6.79 % due to the Medical personal expenses which was in line with the increased revenue,also increased because of the expanding capacity

& Administrative expenses increased by Baht 23.54 million or 13.02 % due to the Medical personal expenses also increased because of the expanding capacity of subsidiaries. 3. Finance costs increased by Baht 13.17

economy and environment, and promoting long-term savings to support an aging society. This will be achieved by expanding the investors base through mutual funds, provident funds, and portfolio advisory

investment management business and Thailand’s capital market, such as expanding the investor base, promoting the TISA project, and leveraging digital technology to support the development of investment

increased . 1.2 Cost of hospital operations increased by Baht 33.70 million or 7.89% mainly due to the Medical personal expenses also increased because of the expanding capacity of subsidiaries. 1.3 Selling