) “ ” “ derivatives” 1. derivatives 2. derivatives “ CIS” 1. 2. CIS “ ” 270 “B/E” (Bill of Exchange) “benchmark” “CIS operator” 1. . 2. CIS “concentration limit” “counterparty limit” “CRA” (Credit Rating Agency) 5 5

: Million Baht Consolidated Separated 1Q23 1Q24 %YoY 1Q23 1Q24 %YoY Credit card income Loan income Hire-purchase income Other income 1,951 2,534 240 734 1,898 2,475 283 851 (3%) (2%) 18% 16% 1,910 2,512 61

Consolidated 2Q/23 3Q/23 %LQ 9M/22 9M/23 %LY Credit card income Loan income Hire-purchase income Other income 1,968 2,554 248 907 1,989 2,411 249 755 1% (6%) 0.4% (17%) 5,648 7,847 774 2,511 5,908 7,500 737

49.34 17.69% Finance cost 49.11 68.10 18.99 38.67% Income tax expenses 48.04 57.52 9.48 19.73% Net profit 181.71 202.58 20.87 11.49% Net profit ratio (ROS) 17.16% 15.74% Earnings per share (Baht) 0.34

Exclusion of Credit Rating Agency Business from Securities Business in the Category of Securities Investment Advisory

settlement, and technology utilization to advance sustainable finance. Additionally, the meeting considered the development of data utilities as a channel for listed companies and SMEs to report sustainability

of currency exchange in present to stay in low level. Information Memorandum on Acquisition of Assets O.C.C. Public Company Limited หน้า 8 จาก 20 4. Risks on Credit Loan for Investment At present, the

stockpiles of food and essential products are enough to serve the customers’ need. In addition, we step up our omni channel platform to serve the needs of our customers, similar to bring our physical stores

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

Pornanong Budsaratragoon said: “Accessing the SEC Check First app through the Citizen Portal further facilitates and provides an additional channel for investors and the public to verify individuals, products