eating-out and having desserts. The increase was also due to the growth in the number of branches and the recovery of incoming tourists. R E V E N U E : • The Company’s Gross Profit in Q3/2022 and 9M/2022
which the supporting factors still being the continuous recovery of the tourism sector, the private consumption and the private investment, while the headline inflation rate averaged of only 0.1%-1.1
by 3.2%, higher than 2.9% growth in 2015, according to data from Bank of Thailand and NESDB. This was mainly from acceleration of government expenditure and the recovery in both of farm income and
Company performance goals. Whereby the operating results of all subsidiaries and affiliates had a net profit, which reflected the clear performance recovery. Details of the operating results of each
accrued; and 5) higher finance costs due to higher borrowings as a result of previous investment. However, the Company has been focusing on following recovery plans and has improved loss from Q4/2018 at
previous investment. However, the Company has been focusing on following recovery plans and has improved loss from Q4/2018 at Baht 143 million by escalating utilization rate, and better expenses and costs
level as the previous quarter. This was mainly contributed from an increase in credit card income by 14%, personal loan income by 15% and other incomes in bad debt recovery and collection service income
from credit card income grew by 18% y-y which corresponds to increasing in the volume of card spending and cash advance. Other income from bad debt recovery grew by 32% y-y. As at August 31, 2022, the
รด าเนินงานให้กลับคืนสู่สภาพการ ด าเนินงานปกติ (Recovery objective) (5) ส่วนที่ 5 บริษัทต้องจัดให้มีแผนรองรับการด าเนินธุรกิจอย่างต่อเน่ือง (Business continuity planning) (6) ส่วนที่ 6 การติดต่อสื่อสาร