/ (Debt payment + Capital Expenditure + Investment in Fixed Assets + Dividend Payment) 23) Dividend Payout = (Dividends / Net Income) * 100 * The dividend payout ratio in 2019 is subject to the resolutions

%, 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

majority of other incomes came from bad debt recovery of 500 million baht and gain on sales of written-off accounts receivable of 346 million baht. Moreover, the income for the fiscal year 2016 of company’s

the result of continue growth in core business revenues that increased by 10% y-y, especially in personal loan and hire purchase products as well as a strong growth revenue from bad debt recovery by 42

curb the pandemic. From the situation, unemployment rate in the second quarter of 2021 was at 1.89% and household debt showed high level. As of August 31, 2021, the Company’s total cards reached 9.29

Net operating debt to equity at 0.61 times with strong operating cash flow. Dividend payout remain much higher than its stated policy of 30% of net profits. Perpetual debenture of THB 15b refinanced at

Statement year ended December 31, 2019 Both of return on assets and return on equity of 4Q19 improved yoy. driven by the sustainable profit and higher dividend payout ratio. From the financial risk

 Baht/USD 35.18 at 30/06/16 (34.45 at 31/03/17) or the respective rate applicable to each offshore subsidiary's base currency.  Payout Analysis In Q217 THB 805m final dividend of THB 1.00 per share was

 applicable to each offshore subsidiary's base currency.  Payout Analysis No dividends were paid out during the quarter. Financial Status The group currently has no interest bearing debt.  Cash reserves and

31.81 at 31/03/19, and Baht/USD 31.23 at 31/03/18 (32.45 at 31/12/18) or the respective rate applicable to each offshore subsidiary's base currency. Payout Analysis No dividends were paid in Q119 or Q118