means that the Company has better efficiency in debt collection. In addition, in the 2Q/2023, there was income from the gain on sale of written-off receivables in the amount of 167 million baht. Expenses

debt recovery income to 1,360 million baht or an increase of 13% from the same period last year and increased of 4% from the previous quarter, indicating a better efficiency in debt collection

increased by THB 412.52 million. During the year, the Company revamped its operation, which increased operating efficiency, to accommodate the increase in online sales orders. The Company’s website was

has continued to implement various operational changes to enhance efficiency of online channel, including improving its website by increasing visually appealing to attract sale orders, offering

the efficiency of corporate governance and that the Company’s corporate governance standard increased in accordance with the CG Code 2017 for listed companies; 6.3.2 In case of not yet implementing the

’ charter during the past year to show that the Company revises the policy, guidelines and the corporate governance system on a continued basis to increase the efficiency of corporate governance and that the

) 2.4 3.1 Net profit (after MI) 2 (%) 13.9% 23.7% Average collection period7 (days) 77 69 Return on equity3 (%) 11.1% 17.4% Payable days (days) 124 145 Efficiency Ratios Leverage Ratios Return on assets4

in other expenses and premises and equipment expenses, as expenses to improve efficiency of business operations and marketing expenses were high in the previous quarter. Compared with the first quarter

depositories shall establish clear written regulations on good governance, with approval of their board of directors. Regulations under Paragraph 1 shall promote the integrity and efficiency of the securities

document work, reduce management costs and increase efficiency in business management, including salary payroll, bulk payment for retail fund transfer to another bank, bill payment for products and services