plain vanilla ที่เรียกวา “ASEAN Debt Securities Disclosure Standards” เพื่อสนับสนุนการเสนอขายตราสารหนี้ระหวางประเทศ ในภูมภิาคอาเซียน ซ่ึงมีแนวทางสวนใหญอางอิงตาม “IOSCO International Disclosure

%, personal loan income at 6%, bad debt recovery at 21% as well as the growth of subsidiaries in Thailand and overseas by 15%. This is because the Company has continued launching new marketing campaigns

since August 1 last year. In the fourth quarter of 2021, the Company’s revenue were 5,194 million baht, decreasing of 17 million baht or 0.3% q-q but increase by 4% y-y due to reduction of debt collection

because Board of Directors considered for the benefits of the group of the company. This transaction is needed as WCIH will have the funding for debt repayment and working capital. In addition there is the

baht and intense competition. Transaction For the Year ended 31st December Unit 2018 2017 Gross Profit Ratio % 14.58 15.60 Earnings Ratio % 3.15 4.88 Debt to Equity Ratio Time 0.27 0.29 Return on Equity

and develop securities business related to investment management; “debt financing” shall include the issuance of debt instruments or conclusion of any transaction that would result in or is in substance

where a mutual fund supervisor no longer meets the qualifications set forth in the notification of the Office of the Securities and Exchange Commission regarding qualifications of mutual fund supervisors4

SET and a decrease in the Company’s market share from 3.76% in 2016 to 3.27% in 2017. Fees and Service income In 2017, the Company reported fee and service income of Baht 672 million, representing an

Page 1 No. CMC Sor Lor.013/2019 Date 12 November 2019 Re: Management Discussion & Analysis for the Period Ended 30 September 2019 To The President of the Stock Exchange of Thailand (SET

Page 1 of 4 No. RJH – SET 3/2018 26 February 2018 Subject : Management’s Discussion and Analysis for the fourth Quarter of 2017 and year ended December 31, 2017 To : The President The Stock Exchange