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

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

since August 1 last year. In the fourth quarter of 2021, the Company’s revenue were 5,194 million baht, decreasing of 17 million baht or 0.3% q-q but increase by 4% y-y due to reduction of debt collection

launch of Singha Complex in late 2018. 2019 Net profit at THB 1,209m, or 16% decline YoY, due to various factors, namely profit margin during early stage of 2 hotels in Crossroads project phase 1

282 percent, respectively. 2. Toll Free on Official Holidays The Company cooperated to waive the toll fee on official holiday announced by the Prime Minister's Office in 3 expressways, the First Stage

line with the softened household spending as a result of lower income, unemployment situation, and weakening consumer confidence coupled with the already high household debt level. Private investment

assistance measures to non-NPL debtors with no significant increase in credit risk (Stage 1), if it is believed that they can comply with the debt restructuring agreement after assessing their financial status

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