-1- AIT (VP-SEC) 022E/2021 November 9, 2021 Subject: Management's Discussion and Analysis of Operating Results for Q3-2021 To: The President of the Stock Exchange of Thailand Summary of Operations Q3

-1- AIT (VP-SEC) 022E/2022 August 11, 2022 Subject: Management's Discussion and Analysis of Operating Results for Q2-2022 To: The President of the Stock Exchange of Thailand Summary of Operations Q1

baht, 3.2% growth y-y. As of February 28, 2023, the Company had total cards and distribution networks as below; Number of AEONTS Cards and Networks February 28, 2022 February 28, 2023 Number of Credit

-1- AIT (VP-SEC) 014E/2023 May 8, 2023 Subject: Management's Discussion and Analysis of Operating Results for Q1-2023 To: The President of the Stock Exchange of Thailand Summary of Operations Q1-2023

%) (4.6 %) Gross Margin 432.7 30.5 % 371.3 26.5 % 16.5 % Distribution Costs (212.5) (15.0 %) (236.8) (16.9 %) (10.3 %) Administrative Expenses (120.5) (8.5 %) (101.9) (7.3 %) 18.3 % Profit before Income Tax

%) (937.5) (72.0 %) (21.6 %) Gross Margin 277.0 27.4 % 364.5 28.0 % (24.0 %) Distribution Costs (99.7) (9.9 %) (197.2) (15.1 %) (49.5 %) Administrative Expenses (69.5) (6.9 %) (63.2) (4.9 %) 10.0 % Profit

1,563 million for 1Q17. The comprehensive income included revaluation of available-for- sale securities as a result of the capital market volatility. Summary of Performance of the Bank and subsidiaries

income of Baht 1,563 million for 1Q17. The comprehensive income included revaluation of available-for- sale securities as a result of the capital market volatility. Summary of Performance of the Bank and

as a result of the capital market volatility. Summary of Performance of the Bank and subsidiaries Percentage 4Q17 2017 1Q18 2Q18 3Q18 4Q18 2018 Loan growth 4.8 9.3 5.7 4.3 3.5 3.8 18.5 NPLs/ Total

Phatra Securities Plc. (PSEC) was 9.61%, increased from 4.55% in 2018, ranking 1st from total 39 brokers. Summary of Performance of the Bank and subsidiaries Percentage 4Q18 2018 1Q19 2Q19 3Q19 4Q19 2019