quarter, because there is no sale of written-off receivables in this quarter. However, in comparison of the 9M/2023’s revenue to the same period last year, the revenue from credit card increased 5%, in line

to reduce the risk of asset quality by being conservative in personal loans and hire purchase. Profit and Loss Statement Unit : Million Baht Consolidated Separated 4Q/23 %QoQ FY22 FY23 %YoY FY22 FY23

reduce the risk of asset quality by being conservative in personal loans and hire purchase. Profit and Loss Statement Unit : Million Baht Consolidated 1Q/23 2Q/23 %LQ 1H/22 1H/22 %LY Credit card income

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

Others Profit and Loss Statement Unit : Million Baht Consolidated Separate 3Q23 3Q24 %YoY 9M23 9M24 %YoY 9M23 9M24 %YoY Credit card income Loan income Hire-purchase income Other income 1,989 2,411 249 755

threshold of the total voting rights of the company. Miss Paleerat was therefore required to report the total number of shares held in accordance with Form 246-2, submit a declaration of intention to acquire

Verification of Foreign Collective Investment Scheme and Announcement of Qualifying Scheme

their voting rights to promote quality of investment in listed companies is admirable and in consistence with the SEC?s Sustainability Development Roadmap. The announcement of proxy voting guidelines

declare the corporate intent to serve the public and capital market stakeholders with integrity, transparency and corporate governance, on 8 May 2019. The SEC Declaration of Intent is in compliance with

. However, SPBL submitted the Form 246-2 report to the Office on 8 July 2024, which was later than the deadline specified in the announcement. SEC Act S.246 Settlement Committee Meeting No. 3/2026