driven primarily by the increase in expected credit loss and loss from sale of foreclosed assets, caused by the growth strategy into high yield loans, as well as the pressure from high household debt level and rising cost of living. These risks were in accordance with the Company’s forecast, and the Company have maintained a sufficient level of loan loss reserves against credit risks from the business growth strategy and macroeconomic factors. And also due to the Company’s ongoing proactive measures in managing the outstanding repossessed cars. The Thai economic uncertainty may exert pressure on the overall hire purchase industry, especially in terms of lending and fees and service income. The Company must adopt a prudent approach in setting aside expected credit loss, accounting primarily for potential risks. In parallel, focus should be on proactive asset quality management and accelerated adjustment to upcoming rules, regulations and other measures,