ที่ กบร No. Lor Gor. 023/2020 November 16, 2020 President The Stock Exchange of Thailand Re : Clarification on the company’s over 20% change in its operating results for 3rd quarter, 2020 Dear Sir

auditor’s report contained a disclaimer of opinion on the profit and loss statement, the total profits and losses, the statement of equity change of the shareholders, and the annual cash flow statement 2015

The SEC has revised the definition of Qualified Subordinated Debt to be excluded from the total liabilities for the calculation of net capital of business operators, viewing that the debt instruments

The SEC has revised the definition of Qualified Subordinated Debt to be excluded from the total liabilities for the calculation of net capital of business operators. To align the issuance of

revenue was not a result of the company?s actual business. When combining with the 10.5 million baht indicated in the complaint previously filed with the DSI, the total falsified revenue jumped to 51

statements for the first, second and third quarters of 2015 to the SEC immediately.The AIE auditor?s report contained a disclaimer of opinion on the profit and loss statement, the total profits and losses, the

interest-bearing debt to equity is robust at 0.46 times. December 31, 2019 June 30, 2020 Change (THB million) (THB million) (THB million) % Cash and cash equivalents 3,591.6 2,779.1 (812.5) (22.6%) Total

% Change Cash and cash equivalents 82 103 (20%) Account receivables 817 700 16.6% Inventories 632 885 (29%) Other current assets 156 175 (11%) Total current assets 1,687 1,864 (9%) Property, plant and

Analysis For the Three-month and Nine-month Periods Ended 30 September, 2019 Page 1 Executive Summary Unit : Million baht 2019 2018 2019 2018 Total revenues * 3,669.65 3,819.56 (149.91) (3.9) 12,071.86

economic slowdown. According to the Bank of Thailand data, at the end of December 2019, the credit card industry reported the total numbers of credit card industry amounted to 23.6 million cards, has grown