in this quarter and focus on specific customer groups to reduce the risk of asset quality by being conservative in personal loans and hire purchase. Profit and Loss Statement Unit : Million Baht

third quarter in 2023. In additions, the household debt rate remained high, the Company, therefore, implemented a more stringent credit lending policy in this quarter and focus on specific customer groups

income surged significantly, especially the 19% increase in bad debt recovery. However, this year the Company will focus on fee-based income expansion. Revenues Structure Profit and Loss Statement Unit

not uniform, data are also often not readily available due to poor recording Common challenges Several actions that can be taken: ● Ensure data storage and management ● Focus to obtain primary data from

advertising media of the Company and its subsidiaries in Thailand to persons who are expertise in management and sale of the advertising media, where the Company will focus on improving and expanding its out of

focus on improving and expanding its out of home media advertising business in overseas instead. The Company therefore wishes to enter into the Right to Sell Advertising Media Agreement to grant the

Thailand to persons who are expertise in management and sale of the advertising media, where the Company will focus on improving and expanding its out of home media advertising business in overseas instead

sector’s current and future role in supporting Thailand and ASEAN in achieving a sustainable economic development model through a continual focus on the SDGs, and transitioning to a low-carbon economy by

industries will also place a special focus on human resource development and the development of new technologies which will lead to a more sustainable Thailand economy. The government has supported this by

differentiated focus in investing selectively in high growth areas across the 5 segments discussed earlier, IVL is confident of maintaining its long-term growth trajectory and is targeting to double its core