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

to reduce the risk of asset quality by being conservative in personal loans and hire purchase. Profit and Loss Statement Unit : Million Baht Consolidated Separated 4Q/23 %QoQ FY22 FY23 %YoY FY22 FY23

% 40% 60% 80% 100% 2022 2023 1Q24 Credit Card Personal Loan Hire Purchase Others 3 - Credit Card For the 1Q/2024 credit card revenue reported 1,898 million baht, decreased by 3% from previous year and

case that there has been a significant increase in credit risk since origination and credit impaired, the allowance is based on the ECLs associated with the probability of default over the expected life

Plan Document Quick Link Central Pattana Public Company Limited Management’s Discussion and Analysis (MD&A) Page 2 of 18 Major Events in 2019 New Retail Development to Become the “Center of Life” Opened

malls, as well as administrative costs associated with transfers of condominium units and rental expense of Hilton Pattaya Hotel based on the sublet agreement with CPNREIT. Having considered the growth in

, the decision to vote is the sole discretion of the shareholders, which shall include the consideration of advantages, disadvantages, and risk associated with the transaction as well as consideration of

%, personal loans increased by 35.5%, corporate lending loans expanded by 129.7%, Lombard loans expanded by 62.2% with real estate development loans also registering a growth of 10.4% in 2017. Hire purchase

expanded at 83.9%, personal loans increased by 35.5%, corporate lending loans expanded by 129.7%, Lombard loans expanded by 62.2% with real estate development loans also registering a growth of 10.4% in 2017

’ Life Platform of Choice”, we have upgraded our capability in data compilation and analytics, allowing us to understand and anticipate each individual customer’s needs under the “Segment of One” while