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

financing cost stood at 2.80% Net debt to equity ratio stood at 0.16x Capital Structure As of June 30, 2018, CPN reported total interest-bearing debt of THB 12,722 mn, an increase from the balance as of

Identification Number SEC HELP Center 1207 info@sec.or.th Last Updated 31 March 2022 Last Reviewed 31 March 2022

beencompleted, except for data or evidence concerning customer identification which shall be kept for not less than five years from the date relationship with the customer has ended. Clause 5. An internal control

transactions of customers have beencompleted, except for data or evidence concerning customer identification which shall be kept for not less than five years from the date relationship with the customer has

years from the date the particulars or transactions of customers have beencompleted, except for data or evidence concerning customer identification which shall be kept for not less than five years from