Financial Ratio 1Q21 FY21 1Q22 Net Profit Margin (%) 22.8% 17.1% 20.3% Interest Coverage ratio (Times) 4.2 3.6 4.3 Allowance for Expected Credit Loss/ Total Receivables (%) 12.8% 12.0% 11.6% NPL Coverage

) and dividend will be paid on November 2, 2022. Key Financial Ratio 2Q21 2Q22 Aug’21 Aug’22 Net Profit Margin (%) 12.7% 16.5% 17.6% 18.4% Interest Coverage ratio (Times) 3.0 3.4 3.6 3.9 Cost to Income

times at the end of FY2021. Return on Equity (ROE) and Return on Asset (ROA) for nine-month period of FY2022 are 20.0% and 4.5%, respectively. Key Financial Ratio 3Q21 3Q22 Nov’21 Nov’22 Net Profit Margin

FY2022 Net Profit Margin (%) 17.5% 12.5% 17.1% 17.1% Interest Coverage Ratio (Times) 3.8 3.1 3.5 3.1 Cost to Income (%) 38.3% 37.1% 37.7% 36.4% EPS (Baht) 3.64 1.72 14.21 15.26 Key Financial Ratio As of 28

quarter of 2023 are 2.6% and 10.7%, respectively. Key Financial Ratio 1Q22 4Q22 1Q23 Net Profit Margin (%) 20.3% 12.5% 11.3% Debt-to-Equity ratio (Times) 3.3 3.1 2.9 Cost to Income (%) 37.1% 37.1% 37.2% EPS

rate was 9.6. This is because in Q3-2023, the Company had a significantly lower gross profit margin than Q3-2022, net of reserves recorded in Q3-2022. The Company recorded an allowance for expected

to THB 648.88 million, increased by THB 82.00 million YoY (+14.47%). Gross profit margin was 9.30% due to the increase in retail sales at branches and online, along with higher sales of peripheral

1,081 15% 3% 1,973 2,023 3% Adjusted Net Income 1,053 942 1,441 53% 37% 1,973 2,383 21% Gross profit margin (%) 28% 27% 30% 3% 2% 28% 29% 1% Net profit margin (%) 16% 10% 5% (5%) (11%) 16% 7% (9

-cost control especially in marketing expenses. Net profit margin remained at 15%, while ROE improved to 33% and ROA stood at 7.3%. Liquidity & Leverage: Current ratio was at 0.3x which illustrated stable

, Gross Profit was Bt19,586mn, increasing 24% YoY due to TTTBB consolidation. It increased 2.9% QoQ following revenue expansion, boosted by efficient cost management. Gross profit margin was 37.5