earlier this year due to higher growth of net loan than that of deposits. Broadly speaking, loans increased as seen from the rise in business, working capital and retail loans, particularly auto hire

period of last year. The increase was derived from fees earned from loans, underwriting, private wealth management and mutual fund sales. Net interest income continued to rise. Likewise, net interest

% for year 2020, 2021, and 2022 respectively. In the year 2022, The company has closed the forward contract as a result in lower administrative expenses. Net Profit (Loss) for the Period (Attributable to

ended 30 September 2019 totaled THB 177.37 million, an increase of THB 69.54 million or 64.49% from the same period of previous year. This was due to (1) Rise of the employee and executive expenses of THB

for the year ended 31 December 2019 totaled THB 251.18 million, an increase of THB 113.37 million or 82.27% from last year. This was due to (1) Rise of the employee and executive expenses of THB 45.03

expansion of domestic construction industry and the growth of new Shopping complexes and renovated stores, together with the turnkey projects balance brought forward from Q4/2017 completed and recognized

reduce financial risk by hedging against forward exchange contracts. 5. The performances increased by 120.35 million baht (from the loss of 18.95 million baht to the profit of 101.40 million baht) as a

decreased when compared to the same quarter of last year 3. A profit from foreign currency exchange of 21.83 million baht as the company entered into buying and selling forward exchange contracts in order to

fluctuation of exchange rate, However the company tried to reduce financial risk by hedging against forward exchange contracts. 5. The performances decreased by 425.46 million baht (from 443.44 million baht in

the company attempted to reduce financial risk by hedging against forward exchange contracts. 5. The performances decreased by 92.28 million baht (from 101.40 million baht to 9.12 million baht) as a