Customer Confident Index Significant Events & Business Direction 2 Reopening of Dessert Cafés and Expanding of After You Branches According to Higher Demand of Customers As of 31 December 2022, the Company

-Mobile-Content Convergence) strategy will be deployed targeting mid-to-high-end customer segments bringing differentiated quality and services of home solutions expanding into the new under-served areas

bringing differentiated quality and services of home solutions expanding into the new under-served areas. It is our dedication to become a key player with double-digit growth and building our organic

cautious in expanding high-risk loans. As of August 31, 2023, the Company had business distributions as below; Number of Networks and Merchandise Partners Aug 31, 2022 Feb 28, 2023 Aug 31, 2023 Branches

expanding high-risk loans. As of November 30, 2023, the Company had business distributions as below; Number of Networks and Merchandise Partners Feb 28, 2023 Aug 31, 2023 Nov 30, 2023 Branches Bangkok

riding on returned tourism activities. The device sales has also benefited from government tax stimulus early in the quarter. Consumers continued seeking packages that catered to their expanding digital

, in regards to the current economic situation which is in an improved trend but the risks to asset quality remained in concerns. The Company therefore remains cautious in expanding high-risk loans. As

Financial Service Co.,Ltd. (Japan) (AFS), while the bad debt recovery which increased 13.7% year on year. The Company plans to focus more on expanding fee- based income. This strategy aims to diversify

may hinge mainly on recovery in economic activity. Amid the ongoing transition to the digital age in 2019, commercial banks may have to brace for intensified competition, especially in expanding their

marketing business increased marginally, as a result of 4% increase in retail sales which still maintains continuous growth from expanding its customer base as part of the Company’s strategy. Additionally