. Essentially, the Company’s gross profit margin significantly increased from 33% in 2Q18 to 42% in 2Q19, representing higher gross profit margin from Residential business and Hospitality business. Selling

743.1 million baht. Even though the COVID- 19 pandemic bringing significant disruption to business, The Group still maintains the profit attributable to equity holders of the company amount of 707.1

, THB  366.4mn was revenue from real estate transfer. • Gross profit from real estate business in 1Q/2020 equals THB 43.0mn, having GPM of 11.7%. • Total assets as of 31 March 2020 equals THB 12,301.3mn

business can be described as follows: Profit and Loss Statement (Consolidated) Unit : Million Baht Consolidated Separate 4Q/21 %QoQ FY20 FY21 %YoY FY20 FY21 %YoY Credit card income Loan income Hire-purchase

Company has active customers more than 2.6 million, mainly from Bangkok 30%, and in up-country 70%. In terms of overseas business in Cambodia, Myanmar and Laos, they have active customers more than 118,000

be consistent with consumer’s behavior. Moreover, our revenue from bad debt recovery continued growing by 31% y-y. Details of each business can be described as follows: Profit and Loss Statement

revenue from bad debt recovery continued growing by 18% y-y and the revenue from overseas subsidiaries grew by 10% y-y. Details of each business can be described as follows: Profit and Loss Statement

revenue from bad debt recovery continued growing by 18% y-y and the revenue from overseas subsidiaries grew by 10% y-y. Details of each business can be described as follows: Profit and Loss Statement

respectively. Details of each business can be described as follows: Profit and Loss Statement (Consolidated) Unit : Million Baht Consolidated Separated 3Q/22 %YoY 9M/21 9M/22 %YoY 9M/21 9M/22 %YoY Credit card

expansion with consumers-oriented goodwill. (3) Increase profit and remuneration using business coordination with both management team, including expand market channel, improve production line and cost