resilient as banks continued to closely monitor credit quality and maintained high levels of loan-loss provisions, capital fund, and liquidity to facilitate further credit expansion. LH Financial Group Public
Analysis We maintain a portfolio of credit for the purchase of receivables and properties for sale acquired at various points in time 4.4.1 Loans Purchased and Foreclosed Collateral Properties The following
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
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
% of total customers. Number of AEONTS Cards and Networks February 28, 2021 February 28, 2022 Number of Credit Cards (million cards) 2.95 3.07 Number of Member Cards (million cards) 6.24 6.34 Branches
million cards, including 3.01 million credit cards, and 6.28 million member cards. The Company has active customers more than 2 million IDs, mainly from Bangkok 31%, and in up-country 69%. Covering networks
Financial Ratio 1Q21 FY21 1Q22 Net Profit Margin (%) 22.8% 17.1% 20.3% Interest Coverage ratio (Times) 4.2 3.6 4.3 Allowance for Expected Credit Loss/ Total Receivables (%) 12.8% 12.0% 11.6% NPL Coverage
Networks August 31, 2021 August 31, 2022 Number of Credit Cards (million cards) 3.01 3.19 Number of Member Cards (million cards) 6.28 6.41 Branches Bangkok Province 100 branches 29% 71% 103 branches 30% 70
Company has total cards as below; Number of AEONTS Cards and Networks November 30, 2021 November 30, 2022 Number of Credit Cards (million cards) 3.05 3.23 Number of Member Cards (million cards) 6.31 6.47