of $304 million (THB 9.6 billion), -7% YoY, Core EBITDA margin 10%  Core Net profit after tax of $128 million (THB 4.0 billion), -27% YoY  Core Earnings Per Share of THB 0.67, -32% YoY  Operating

credit card spending and acquisition of new credit card customers. In addition, our consolidated revenue from Personal Loan were 10,385 million baht, stable from previous year and consolidated hire

Promptpay service shared more than 70% of total personal loan sales. 48% 34% 5% 14% Loans Credit card Hire Purchase Others 23% 70% 2% 5% Sales THB 49,818 Million Revenues THB 10,960 Million 4 - Hire Purchase

Company has total cards as below; Number of AEONTS Cards and Networks November 30, 2021 November 30, 2022 Number of Credit Cards (million cards) 3.05 3.23 Number of Member Cards (million cards) 6.31 6.47

(10.68) Operating cost 596.69 621.42 (24.73) Gross profit 110.53 96.48 14.05 Gross profit margin 15.63% 13.44% 2.19% Other income 3.80 1.99 1.81 Selling expenses 2.13 3.04 (0.91) Administrative expenses

Lock Downs in other major businesses. It can generate earnings to remain profitable in both the mobile distribution business, personal loan business and real estate development business. The details of

 Privacy Policy Personal Data Protection Policy for Investment Management The Office of the Securities and Exchange Commission (SEC Office) 0. Scope of this Policy This Personal Data Protection

development to support compliance with the personal data protection law of the Office of the National Digital Economy and Society Commission, the Project of Geographic Information Acquisition and Development

อื่น 4. ยอดเงินใหกูยืมคงคาง (margin loan) 5. ยอดรวมมูลคาหลักทรัพยใหยืม 6. ยอดสุทธิ free credit balance 7. ยอดรวม credit line ทั้งหมด 8. ยอดรวมทรัพยสินสวนเกิน (excess equity) ขอ 2 สถานะบัญชีมาร

รองรับได้ (reverse stress test) ทั้งนี้ เฉพาะค่าความเสี่ยงสูงสุด (stress test) ด้านเครดิต (credit risk) ให้จดัทำข้อมูล เป็นรายสมาชิก (2) มูลค่าเงินกองทุนทดแทนความเสียหาย (clearing fund) และ (3) มูลค่าหลัก