-1- AIT (VP-SEC) 016E/2021 August 10, 2021 Subject: Management's Discussion and Analysis of Operating Results for Q2-2021 To: The President of the Stock Exchange of Thailand Summary of Operations Q2

-1- AIT (VP-SEC) 022E/2021 November 9, 2021 Subject: Management's Discussion and Analysis of Operating Results for Q3-2021 To: The President of the Stock Exchange of Thailand Summary of Operations Q3

-1- AIT (VP-SEC) 028E/2022 November 10, 2022 Subject: Management's Discussion and Analysis of Operating Results for Q3-2022 To: The President of the Stock Exchange of Thailand Summary of Operations

effective on 1 April 2019, as well as hire purchase growth remained high consistent with car sales. However, commercial banks remained tighten credit standards as their concern on a deterioration in debt

effective on 1 April 2019, as well as hire purchase growth remained high consistent with car sales. However, commercial banks remained tighten credit standards as their concern on a deterioration in debt

commercial banks are tithening measures for credit undertaking with the worries on debt serviceability. Although, the deterioration in credit quality will affect the profitability, Thai commercial banking

commercial banks are tithening measures for credit undertaking with the worries on debt serviceability. Although, the deterioration in credit quality will affect the profitability, Thai commercial banking

1 No. CC20191104ELE November 12, 2019 Subject Report of the Resolutions of Board of Directors’ Meeting No.5/2019 To President The Stock Exchange of Thailand The Board of Directors’ meeting of Cal

. However, commercial banks remained tighten credit standards on loans to SMEs and household as their concern on a deterioration in debt serviceability especially weak financial position SMEs and high debt

. However, commercial banks remained tighten credit standards on loans to SMEs and household as their concern on a deterioration in debt serviceability especially weak financial position SMEs and high debt