of Thailand cut the ceiling rates of interest rates on credit card from 18% to 16% per annum and personal loan from 28% to 25% per annum, effective from August 1, 2020 onwards. On the other hand, our

14.6% 144.59 17.4% 141.64 17.3% -2.0% 16.8% 541.32 17.4% 580.81 17.4% 7.3% Non-controlling interests of the subsidiaries (1.09) -0.1% (0.83) -0.1% (0.64) -0.1% 100.0% 100.0% (1.57) -0.1% (2.29) -0.1

increased by 9% y-y, especially in personal loan and hire purchase products as well as continued growth from bad debt recovery by 33% y-y. The revenue from overseas subsidiaries grew by 60% y-y as a result of

162.77 19.3% 160.71 19.6% 169.68 21.3% 5.6% 4.3% Income tax expense (19.00) -2.3% (19.07) -2.3% (20.57) -2.6% 7.9% 8.3% Net profit 143.77 17.1% 141.64 17.3% 149.11 18.7% 5.3% 3.7% Non-controlling interests

144.59 17.4% 144.90 18.0% 143.73 18.4% -0.8% -0.6% Non-controlling interests of the subsidiaries (0.83) -0.1% (0.35) 0.0% (0.05) 0.0% 100.0% 100.0% Net profit - equity holders of the Company 145.42 17.5

been expanding more online service channels to customers and reduced the Company’s operation cost. As a result, the Cardless transactions currently accounted for 95% of total personal loan sales which

the Company’s branches. In addition, a variety of online transaction channels have resulted in the Cardless transactions currently accounted for 95% of total personal loan sales, which Promptpay service

credit card spending and acquisition of new credit card customers. In addition, our consolidated revenue from Personal Loan were 10,385 million baht, stable from previous year and consolidated hire

%. The current assets was decreased Baht 44.75 million and the non-current assets was increased Baht 4.58 million. The current assets comprised of cash and cash equivalents were increased Baht 0.69 million

including SME Car3x loans expanded at 51.7%, personal loans increased by 18.7%, corporate banking loans expanded by 106.8%, Lombard loans expanded by 15.3% with real estate development loans also registering