cash from operating activities in the 3rd Quarter 2018 was Baht 399.65 million, which was lower than the net profit before tax by Baht 17.79 million, due to the transactions that did not affect the cash
profit before tax by Baht 81.31 million, due to the transactions that did not affect the cash such as depreciation of assets and amortization of Baht 65.48 million, increase in trade accounts payable and
debt. As of November 30, 2020, the Company’s total cards reached 9.11 million cards, including 2.91 million credit cards, and 6.20 million-member cards. The Company has active customers more than 2
%, slightly increasing from the previous quarter. However, substance economic challenges are remained as a result of policy interest rate increment, high household debt level increasing from 86.3% to 90.6% in
reduced down to 0.81%. However, substance macroeconomic challenge is remained as the level of household debt (seasonal adjusted) continued to increase from 90.7% in the 1Q/2023 to 91.4% in 1Q/2024. For the
regulations under Chapter 4; (5) submission of evidence to confirm clients’ transactions shall comply with the regulations under Chapter 5; (6) provisions of communications and services related to any capital
, executives, employees and others 8. Report on key operating results related to corporate governance 28 9. Internal control and related party transactions 33 Part 3: Financial Statements 36 Part 4
related party transactions 33 Part 3: Financial Statements 36 Part 4: Certification of Information 37 Attachments: Attachment 1: Details of directors, executives, controlling persons, the person assigned to