every three years, but will not exceed 3 percent)  Regulations, Methods and Conditions for Operating Personal Loan Business under Supervision The Bank of Thailand (BOT) issued Notification of the BOT No

of knowing and categorizing type of client shall be revised and updated within a period of time specified by the Association , with an approval of the SEC Office, except that the intermediary which is

of knowing and categorizing type of client shall be revised and updated within a period of time specified by the Association1, with an approval of the SEC Office, except that the intermediary which is

shall be granted to existing digital asset business operators who have complied with regulations stipulated by the Securities and Exchange Commission. 4. Criteria for personal income tax collection: An

2.5 Hire Purchase 104,609 51.3 103,926 53.9 0.7 Personal loan 5,941 2.9 5,745 3.0 3.4 Micro SMEs loan 5,485 2.7 5,031 2.6 9.0 Housing loan 13,051 6.4 11,252 5.8 16.0 Commercial Lending 47,868 23.5

Change Baht million % Baht million % (%) Retail Lending 129,085 63.3 125,954 65.3 2.5 Hire Purchase 104,609 51.3 103,926 53.9 0.7 Personal loan 5,941 2.9 5,745 3.0 3.4 Micro SMEs loan 5,485 2.7 5,031 2.6

million % Baht million % (%) Retail Lending 140,402 61.4 125,954 65.3 11.5 Hire Purchase 108,191 47.3 103,926 53.9 4.1 Personal loan 6,528 2.9 5,745 3.0 13.6 Micro SMEs loan 7,040 3.1 5,031 2.6 39.9 Housing

as follows; Type of loans Dec 31, 2019 Dec 31, 2018 Change Baht million % Baht million % (%) Retail Lending 145,223 61.0 140,402 61.4 3.4 Hire Purchase 107,612 45.2 108,191 47.3 (0.5) Personal loan

Change Baht million % Baht million % (%) Retail Lending 140,295 60.2 140,402 61.4 (0.1) Hire Purchase 106,420 45.7 108,191 47.3 (1.6) Personal loan 6,768 2.9 6,528 2.9 3.7 Micro SMEs loan 7,271 3.1 7,040

Change Baht million % Baht million % (%) Retail Lending 140,477 60.2 140,402 61.4 0.1 Hire Purchase 105,279 45.1 108,191 47.3 (2.7) Personal loan 7,055 3.0 6,528 2.9 8.1 Micro SMEs loan 7,627 3.3 7,040 3.1