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

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

ต้องการบรรลุ (Intended Outcome) 4 3.2 เงื่อนไขของหนี้สินด้อยสิทธิ (qualified sub-debt) 𝑁𝐶𝑅 = 𝑙𝑖𝑞𝑢𝑖𝑑 𝑎𝑠𝑠𝑒𝑡𝑠 − 𝑡𝑜𝑡𝑎𝑙 𝑙𝑖𝑎𝑏𝑖𝑙𝑖𝑡𝑖𝑒𝑠 (𝑒𝑥𝑐𝑙. 𝑞𝑢𝑎𝑙𝑖𝑓𝑖𝑒𝑑 𝑠𝑢𝑏 𝑑𝑒𝑏𝑡

Company will collect an additional 10% of the fee including a post-dated cheque (based on the credit term) for the remaining fees of 80% within November 2019, in order to prevent the risk of debt repayment

Administrative Expenese due to accounting adjusted of doubtful debt amounted of Baht 22.5 million in 1Q2018 and professional fee for new projects according business plan; ii) 10.5% decrease of Other Income from