percent on the back of strong exports and tourism as well as the acceleration in public and private investment. Exports and tourism are expected to remain robust given the continuing recovery of major

1.50 percent for almost all of 2018 to accommodate domestic economic activity, which is continuing along a stable recovery path. 1.2 Banking Industry and Competition In the second quarter of 2018

Projection by KResearch Ye ar -o n- Ye ar C ha ng e (p er ce nt ) 2 for almost all of 2018 to accommodate domestic economic activity, which is continuing along a stable recovery path. 1.2 Banking Industry and

accommodate domestic economic activity, which is continuing along a stable recovery path. 1.2 Banking Industry, Competition and Emerging Risks  Banking Industry and Competition Commercial banks’ overall

, the tourism sector and a recovery in exports due to an improvement in the economies of our trading partners. As a result there has been an increase in the purchasing power of consumers in major cities

experiencing the lowest revenue due to the temporary closure of our operations because of the Covid-19, however the recovery of production volume was seen at end of the 3rd quarter, continuing with favorable

volume starting from end of Q3 2020 and continuing into Q1 2021. Cost of sales and services increased in accordance with higher sales. Gross profit margin increased from 10.15% in Q1 2020 to 12.08% in Q1

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

20230208-ADVANC-MDA-4Q22-EN Classification: Internal FY22 MD&A Advanced Info Service Plc. 1 Executive Summary Maintaining growth in core products amid cautious economic recovery 2022 displayed an

Phatra Securities Plc. for 1Q21 was at 10.84%, continuing to rank 1st from total of 38 brokers. Overall market environment The Thai economy started out at a slow pace in January 2021 due to the resurgence