and having desserts. In addition, 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 Q2/2022 and 1H
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
% q-q and other incomes in bad debt recovery increased by 38% y-y and 10% q-q as well as revenue growth from overseas subsidiaries by 77% y-y. The revenues for the Company were 5,139 million baht
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
private consumption and total investment were constantly expanding. However, Thai economy still faces external risk such as U.S. monetary and trade policy and global economic uncertainty. As of August 31
public consumption and private investment were constantly expanding. However, Thai economy still faces other risk such as The U.S.-China trade war, global economic uncertainty and domestic political
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
having a tendency to decline as the GDP is expanding. Moreover, the number of unemployed in the 4Q/2022 amounted 4.62 hundred thousand people, or an unemployment rate of 1.2%, remained stable from the
asset quality management for its loan portfolio and focus on expanding into profitable segment with better asset quality taking into careful considerations the economic conditions. As such, the overall
wave of COVID-19, as well as expanding food delivery service points to have higher area coverage • Focusing on increasing pop-up stores instead of establishing new dessert café branch as it requires