credit card income and bad debt recovery as well as debt collection service. As of August 31, 2017, Company has active billings of 3.4 million transaction per month and 2.2 million IDs which came from

which may affect international trade and exchange rate fluctuation. According to the Bank of Thailand data, at the end of December 2017, reported the total numbers of credit card industry amounted to 20.3

year, mainly caused by significantly lower revenues from Security Document Solution and Card Solution. Gross profit was THB 424.1 million, a decrease of THB 108.8 million or 20.4% from the last year

increased by 5% y-y, mainly due to the continual increase in credit card spending through online channels and marketing with business partners. In the first quarter of 2023, online credit card spending shared

level as the previous quarter. This was mainly contributed from an increase in credit card income by 14%, personal loan income by 15% and other incomes in bad debt recovery and collection service income

Statement (Consolidated) Unit : Million Baht 2Q/19 1Q/20 2Q/20 %QoQ %YoY 1H19 1H20 %YoY Credit card income Loan income Hire-purchase income Other income 1,887 3,020 173 584 1,738 3,076 249 593 1,621 2,905 240

of the fiscal year of 2022, the Company has total sales (turnover) increase by 23.4% y-y, with the focus on credit card business, as a result of new product launching in accordance to the

increase of 467 million baht or 4% y-y. For the third quarter of 2017, revenues amounted to 4,677 million baht, increasing by 317 million baht or 7% y-y and 3% q-q, due to an increase in credit card and

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revenues were 5,093 million baht, an increase of 553 million baht or 12% y-y. This is the result of an increase in credit card and personal loan incomes as well as bad debt recovery continue to improve. As