1 Ref: AC.024/2019 3 August 2019 Subject: Management discussion and analysis of financial position and operating results To: President and Manager The Stock Exchange of Thailand Overall operating

Company for the Quarterly Performance Ending March 31, 2018 which was reviewed by the auditor. The Company would like to summarize of the Company’s Overall Performance and Financial Status is as follows

, personal loans business, and non-performing loan management business was the important main factor driving the Group's overall performance to continue growing compared to the previous year. For the Company's

1 Ref: AC.034/2019 4 November 2019 Subject: Management discussion and analysis of financial position and operating results To: President and Manager The Stock Exchange of Thailand Overall operating

of Thailand Overall operating performance of the Group Unit: Million Baht Q1’ 2020 Q1’ 2019 Increase (decrease) Variance (%) Total revenues 1,572 1,677 (105) (6%) Net profit 73 81 (8) (10%) The Group’s

sustain its growth. Overall, however, it was plagued by weak exports and tourism amid the global economic slowdown. Aside from these challenges, businesses had to contend with more complex competition

1 Ref: AC.031/2017 15 August 2017 Subject: Management discussion and analysis of financial position and operating results To: President and Manager The Stock Exchange of Thailand Overall operating

1 Ref: AC.004/2018 26 February 2018 Subject: Management discussion and analysis of financial position and operating results To: President and Manager The Stock Exchange of Thailand Overall operating

previous year, compared with the net profit of Baht 176.56 million in previous year. The overall increase in sales is due to the recovery of the Thai economy in 2017, driven by strong tourism, exports and

1 Ref: AC.021/2018 14 August 2018 Subject: Management discussion and analysis of financial position and operating results To: President and Manager The Stock Exchange of Thailand Overall operating