”). 2. After the purchase of the Trade Debt in 1., the Company entered into a credit agreement dated May 12, 2017 (the “Credit Agreement”) with the loan amount of USD 41,000,000, or equivalent to THB

quarter, because there is no sale of written-off receivables in this quarter. However, in comparison of the 9M/2023’s revenue to the same period last year, the revenue from credit card increased 5%, in line

: Million Baht Consolidated Separated 1Q23 1Q24 %YoY 1Q23 1Q24 %YoY Credit card income Loan income Hire-purchase income Other income 1,951 2,534 240 734 1,898 2,475 283 851 (3%) (2%) 18% 16% 1,910 2,512 61

the industrial sector. While the household debt rate remained high, the Company, therefore, implemented a more stringent credit lending policy in this quarter and focus on specific customer groups to

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

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

baht bonds to (i) obtain an issue rating not lower than investment grade* from an international credit rating agency established under foreign law, (ii) appoint the bondholder representative, and (iii

million cards, has grown by 1% more than last year. Credit Card receivable was 394,123 million baht, with the growth of 9% from the same period last year. For personal loan industry, the numbers of account

resulted an increase in 2 credit cards income at 4%, personal loan income at 2% and the growth of subsidiaries in Thailand and overseas. In addition, the Company has continued marketing campaigns throughout

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