following major changes: Cash and cash equivalents increased by 174.0 MB, representing an increase of 85.1% and Other current financial assets (Investments in unit trust in fixed income funds) increased by

management companies, investment unit brokerage companies; directors of the Thai BMA; directors of inter-dealer brokers (IDB); 2. Fund managers, derivatives fund managers, property fund managers

3; “fee” means a fee for undertaking business according to license; “income” means an income before deducting expenditures from undertaking business according to license; “investment unit”4 means the

operation on 26 November 2021. Sales of natural gas power plant also increased from increase in unit rate which is adjusted in line with the increase in average natural gas price. 3 Cost of sales and service

reduce the risk of asset quality by being conservative in personal loans and hire purchase. Profit and Loss Statement Unit : Million Baht Consolidated 1Q/23 2Q/23 %LQ 1H/22 1H/22 %LY Credit card income

in this quarter and focus on specific customer groups to reduce the risk of asset quality by being conservative in personal loans and hire purchase. Profit and Loss Statement Unit : Million Baht

to reduce the risk of asset quality by being conservative in personal loans and hire purchase. Profit and Loss Statement Unit : Million Baht Consolidated Separated 4Q/23 %QoQ FY22 FY23 %YoY FY22 FY23

income surged significantly, especially the 19% increase in bad debt recovery. However, this year the Company will focus on fee-based income expansion. Revenues Structure Profit and Loss Statement Unit

Others Profit and Loss Statement Unit : Million Baht Consolidated Separate 3Q23 3Q24 %YoY 9M23 9M24 %YoY 9M23 9M24 %YoY Credit card income Loan income Hire-purchase income Other income 1,989 2,411 249 755

, the Energy Regulatory Commission (ERC) decided to maintain the Ft rate at -15.9 Sa-tang per unit, resulting in electricity charge of 3.5966 Baht per unit (before VAT). In addition, Ft rate is expected