Rights and Duty of Debenture Issuer and Debenture Holder, the Company is required to maintain the Net Debt to Equity ratio at the rate of not more than 2.5: 1 at the end of the quarter and year end period

% 3,511.78 100.0% -404.42 -10.3% Current liabilities 1,412.61 36.1% 1,272.09 36.2% -140.52 -10.0% Interest bearing debt 1,244.80 31.8% 1,036.34 29.5% -208.46 -16.8% Non-current liabilities 7.23 0.2% 13.26 0.4

from credit card income grew by 18% y-y which corresponds to increasing in the volume of card spending and cash advance. Other income from bad debt recovery grew by 32% y-y. As at August 31, 2022, the

bad debt recovery for the first nine-months of 2022 were 1,202 million baht grew by 18% y-y and for the third quarter of 2022 was 406 million baht increased by 7% y-y but decreased by 1% q-q

finance cost for our Portugal operations. However, our net finance cost reduce to Baht 76.7 million, compared to Baht 88.4 million in Q1 2023 in line with our net interest bearing debt level. Net profit

จ่ำย ภำษีเงินได้ ค่ำเส่ือมรำคำ และค่ำตัดจ ำหน่ำย (net debt to EBITDA ratio) อัตรำส่วนควำมสำมำรถในกำรช ำระดอกเบี้ย2 (interest coverage ratio : ICR) อัตรำส่วนควำมสำมำรถในกำรช ำระภำระผูกพัน2 (debt service

and process of legal execution are as follows; 1. Cases in the process of court trial: 1 . 1 Media Agency Thai Co., Ltd. is in debt to the Company according to the purchase agreement to manage

Company Limited pursuant to Share Pledge Agreement dated 18 May 2017. Conditions for the debt repayment between WPS and the Company The Company and affiliates will repa all of the unpaid debts which are

- 1,584 (61.0) N/A Installment sale receivables 19 21 22 15.8 4.8 Others 3 4 0 (100.0) (100.0) Interest expenses 445 608 581 30.6 (4.4) Debt issued – debentures 254 401 384 51.2 (4.2) Debt issued

, consumer confidence depression and high level of household debt though, there was some spending of consumer goods from the COVID-19 pandemic distress. However, the government sector has launched remedial