30 September 2020 Table 1: Operating results for the 3-month period ended 30 September 2020 (Unit: Thousand Baht) Consolidated Financial Statements Increase (Decrease) Separate Financial Statements

and Loss Statement (Consolidated) Unit : Million Baht Consolidated Separate 1Q/21 4Q/21 1Q/22 %QoQ %YoY 1Q/21 1Q/22 %YoY Credit card income Loan income Hire-purchase income Other income 1,550 2,612 273

Baht) Separate financial statements 2018 2017 % Change Sales and Service Income 1,940.22 1,979.16 (1.97) Cost of Sales and Services 1,572.51 1,525.25 3.10 Selling and Administrative Expenses 218.91

statements) Baht (74.59) million Baht (5.38) million Profit (loss) for three months (from the separate financial statements) Baht (58.18) million Baht 10.66 million 3. Management Discussion and Analysis 3.1

Profit (Loss) for the year attributable to equity holders of the Company In the consolidated financial statements Baht 418.04 million Baht (202.81) million Profit (loss) for the year in the separate

(from the consolidated financial statements) Baht (27.69) million Baht 41.16 million Profit (loss) for three months (from the separate financial statements) Baht (27.06) million Baht 81.38 million 3

(from the consolidated financial statements) Baht 313.38 million Baht (74.59) million Profit (loss) for three months (from the separate financial statements) Baht 342.26 million Baht (58.18) million 3

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% 101,512 -94% Margin 1% -6% -1% 12% 2 (Unit : Thousand Baht) Separate F/S Q3/2018 Q3/2017 Δ% Q2/2018 Δ% Q1/2018 Δ% Revenues from sales and services 414,176 417,985 -1% 380,650 9% 320,648 29% Interest income

: (Unit: Million Baht) Consolidated Separate Y2017 + Increased /-Decreased Y2017 + Increased /-Decreased Brokerage fees income 866.54 (183.65) 866.54 (183.65) Fees and service income 65.60 (44.66) 65.60