from same-store sales growth and the increase in the number of branches, as well as the decrease in cost per unit from the increase in production volumes resulting in economies of scale. • Gross Profit
cardless cashing totally online shopping increased around 2 times and cardless cashing share more than 30% of total personal loans. Moreover, our revenue from bad debt recovery growing by 11% y-y. Details of
(Consolidated) Unit : Million Baht 4Q/19 3Q/20 4Q/20 %QoQ %YoY FY19 FY20 %YoY Credit card income Loan income Hire-purchase income Other income 1,878 3,077 241 969 1,529 2,616 249 864 1,563 2,525 276 639 2% -3% 11
Company earning per share of the fourth quarter was 3.64 baht. 6 2. Financial Status Statement of Financial Position February 28, 2021 February 28, 2022 (TFRS 9) Change Unit : Million Baht %YoY Accounts
described as follows: Profit and Loss Statement (Consolidated) Unit : Million Baht Consolidated Separate 2Q/22 %YoY 1H/21 1H/22 %YoY 1H/21 1H/22 %YoY Credit card income Loan income Hire-purchase income Other
and 22% q-q, and earning per share was 4.42 baht. 2. Financial Status Statement of Financial Position February 28, 2022 November 30, 2022 Unit : Million Baht Accounts Receivable Total Assets Total
customers, increased by 37% from last year, and representing 11% of total Company customers. Summary of Consolidated Financial Results 1. Operating Results Profit and Loss Statement (Consolidated) Unit
of 530 million baht or 2.12 baht per share, decreasing by 46% y-y. The financial performance can be summarized as follows. Overview The Thai economy in the first quarter of 2020 contracted by 1.8