from financing activities Increase (decrease) in on call borrowings Proceeds from fixed period loan Payment of fixed period loan Proceeds from issuance of debenture and long-term debt instruments

helping Company’s master agents in COVID-19 situation as mentioned above; however, the Company is still able to control service and administrative expenses and decrease financing costs from bank loan

connected persons being Fourteen Points Company Limited (“FP”), MahaNakhon Bespoke Tailoring Company Limited (“MHNK Bespoke”) and Verita MHK (Thailand) Company Limited (“Verita”) in term of loan in the total

percent increase from last year, due to rising interest income as loan growth accelerated. However, loan impairment charges set aside for credit losses in compliance with IFRS9, which will be effective in

has agreed to enter into the debt to equity conversion scheme in the amount of THB 39,999,999.60 and the Company will further pay Mr. Chanet for the loan in the amount of THB 40,000,000.40 in cash, as

: 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

half of 2019, two ATR72-600 under commercial loan agreement were delivered while three ATR72-500 were disposed. 3. In 2019, the Company had total 27 Codeshare airline partners .The Company signed

loan-related services, credit card and underwriting services, while fee income from transaction services and securities business increased. Consequently, the ratio of net fees and service income to

combined net profit of the commercial banking system was Baht 187.3 billion, a 5.7 percent decrease from last year, due to larger loan impairment charges set aside for credit losses in compliance with IFRS9

line with the continued economic slowdown, whereas overall consumer loan continued to grow at a high rate despite a slower growth in mortgage lending and auto loan, personal loan and credit card expanded