Central Pattana Public Company Limited Management’s Discussion and Analysis (MD&A) Page 1 of 18 Executive Summary Revenue and profit continue to grow primarily from strong rental business performance

n.a. Finance cost (290.7) (200.8) 44.7% (281.2) 3.4% Share of profit/loss from JVs/associates (equity income) (430.4) 284.1 n.a. (238.4) (80.5%) Reported Net Profit/(Loss) (1,213.1) 390.3 n.a. (806.6

the banking system. Overall Picture of the Bank and its Subsidiaries Million Baht Item Quarter Change (%) 9 Months Change 3/2019 2/2019 3/2018 2/2019 3/2018 2019 2018 (%) Net profit * 9,438 9,347 9,030

reduce the risk of asset quality by being conservative in personal loans and hire purchase. Profit and Loss Statement Unit : Million Baht Consolidated 1Q/23 2Q/23 %LQ 1H/22 1H/22 %LY Credit card income

traction from the first quarter. The ongoing economic rebound was mainly driven by exports and tourism, whereas domestic spending and investment only gradually picked up. Still, the economy has yet to see

for the year ended February 28, 2017 which were audited by Deloitte Touche Tohmatsu Jaiyos Audit Company Limited. The Company has net profit attributed to owners of the parent of 2,403 million baht, a

Company has net profit attributed to owners of the parent of 987 million baht or 3.95 baht per share, showing a record growth rate of 6% y-y and 21% q-q. The financial performance can be summarized as

P#$ 2: &' ! FIBV + %')'#+"#$./+!#[/+(#$P % #$ :International Federation of Stock Exchanges' (FIBV) annual report, 2005 )+!C!C#S#$O*&%./+O.'* + % (#O #LO! (operating profit) .'O#[ (net income

Community (AEC), and the advancing digital age amid the rapid pace of technological advancement, thus leading to changing customer behavior, regulatory changes and life platform-driven competition. Given the

in Thailand maintained their good performance with adequate capital to support their business operations. The combined net profit of the Thai commercial banking system was Baht 207.2 billion, a 10.8