in this quarter and focus on specific customer groups to reduce the risk of asset quality by being conservative in personal loans and hire purchase. Profit and Loss Statement Unit : Million Baht

third quarter in 2023. In additions, the household debt rate remained high, the Company, therefore, implemented a more stringent credit lending policy in this quarter and focus on specific customer groups

income surged significantly, especially the 19% increase in bad debt recovery. However, this year the Company will focus on fee-based income expansion. Revenues Structure Profit and Loss Statement Unit

policy to increase the minimum wage, which is projected to benefit over 3.7 million employees beginning January 1, 2025. This policy is expected to exert a positive influence on the Company’s operations in

”). Preparation and filing thereof should also take into consideration the guidelines, the manual or the disclosure checklist available on the SEC website. Table of Contents Page Part 1: Business Operation and

by the issuing company (“Company”). Preparation and filing thereof should also take into consideration the guidelines, the manual or the disclosure checklist available on the SEC website. - 2 - SEC

สารสนเทศข่าว มติ BOD 5-60 20171129En No. NDR013/2017 Subject Resolution of the Board of Directors’ Meeting To President The Stock Exchange of Thailand Enclosure 1. Information Memorandum on the

สารสนเทศข่าว มติ BOD 5-60 Final 20171126 En No. NDR013/2017 Subject Resolution of the Board of Directors’ Meeting To President The Stock Exchange of Thailand Enclosure 1. Information Memorandum on 2

สารสนเทศข่าว มติ BOD 5-60 20171204En No. NDR013/2017 Subject Resolution of the Board of Directors’ Meeting To President The Stock Exchange of Thailand Enclosure 1. Information Memorandum on the

Investor (Private Placement) 5. Profile and Working Experience of a Nominated Director Following Hydrotek Public Company Limited (the “Company”)’s Board of Directors’ Meeting No.6/2018 held on April 3, 2018