six months ended of year 2019 to THB 127.2 million for the six months ended of year 2020. This was primarily attributable to the decrease in selling and advertising expenses in relation to the cost

staff travel, consultants, staff training, and marketing and advertising activities, suspending new hires • Optimizing staff by using technology to promote work efficiency and reduce overtime expenses

the previous year by Baht 15 Million or 8.2 percent, mainly from the decrease in advertising and retail revenue in order to help those affected by COVID-19. Cost of Commercial Development business was

discount was provided to those being impacted by measures to contain COVID-19. Still, the discount did not significantly drag gross profit margin down due to reduction in advertising and marketing expense

-36% YoY from 2Q22 which had a high base of marketing expenses following the border re-openings after improved Covid-19 situation. It decreased -21% QoQ from cost control measures in advertising and

million Baht. The increasing selling expenses from property business were due to the results of selling and marketing strategies which included sales promotion, the communication to the public through

expenses Selling expenses consist of sale staff expenses, transportation expenses, commissions and promotion expenses. For the periods of three months and nine months ended 31st Dec 2018, the Company and its

million, increase in salary and benefits of the employees of Baht 2.43 million, increase in marketing and sales promotion expenses of Baht 1.07 million, increase in donation expenses of Baht 0.70 million

% 563.7 5.0% -59.4 -9.5% Underwriting expenses 110.0 0.9% 233.6 2.1% 123.6 112.4% Gross Profit 2,885.0 23.0% 3,242.3 28.6% 357.3 12.4% Sales promotion income 217.8 1.7% 331.7 2.9% 113.9 52.3% Management fee

Baht 3.73 million but there was a decrease in sales promotion expenses of Baht 7.64 million. Administrative expenses were Baht 455.19 million, which increased from the previous year by Baht 52.71 million