revenues were 5,005 million baht, decreasing 19% y-y. This is a result of the COVID-19 pandemic situation, economic slowdown and a higher household debt, In addition, the Bank of Thailand cut the ceiling
the COVID-19 pandemic, which is presently spreading rapidly and appears almost uncontrollable coupled with a higher household debt. In addition, the Bank of Thailand cut the ceiling rates of interest
curb the pandemic. From the situation, unemployment rate in the second quarter of 2021 was at 1.89% and household debt showed high level. As of August 31, 2021, the Company’s total cards reached 9.29
mainly form energy prices. Therefore, the unemployment rate at 1.53% in the first quarter of 2022 dropped from the previous year and household debt tends to increase due to rising prices of consumer goods
Thai economy in the second half of year 2022 which will affect to the direction of household consumption expenditure. The Company performance of the first half of FY2022, total new turnovers increased by
expansion is still subjected to the rising cost of living, in which the inflation rate in 4Q/2022 reached 5.8%, the household debt ratio is considered high amid the increasing trend of interest burden but
risks from internal and external factors such as severe droughts, a rise in unemployment and household debt as well as the global outbreak of the Coronavirus (COVID-19) since early 2020. However, the
(especially in vehicles) in line with the improvement in household income from both farm and non-farm income. However, growth in non-durable and semi-durable goods remains weak. Private investment also
(especially in vehicles) in line with the improvement in household income from both farm and non-farm income. However, growth in non-durable and semi-durable goods remains weak. Private investment also
recovery of economic activity and domestic consumption. In order that, the unemployment rate at 1.9% in the 3rd quarter of 2020 slightly decreased from the previous quarter and a higher level of household