1 Ref: AC.016/2019 4 May 2019 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.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

1,112.0 1,148.8 1,628.5 (36.8) (3.2) (516.5) (31.7) Profit for the period 50.4 59.7 69.8 (9.3) (15.6) (19.4) (27.8) The effects of COVID–19 are more severe than expected. Overall, the Thai economy in 2020

Asian central banks reduced their policy rates continuously. Looking domestically, Thailand’s economic activity in many sectors declined in line with the overall global economy. The tourism sector in

measures will help reduce market volatility, which will subsequently benefit the overall capital market. The SEC will continue monitoring and collaborating with the SET and TFEX to assess the situations and

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