Page 6 of 7 2.2.2 Long term loan from banks, which are due within one year, was of Bt337.2 million which were belonged to BAFS at the amount of Bt197.7 million and belonged to TARCO and FPT at the amount

customers more than 133,535 with representing 5% of total company customers. The Company and subsidiaries have managed liquidity risk of operating cash flow under the COVID- 19 situation with soft loan

revenue by leveraging its resources across various financial products and services. 31% 34% 36% 36% 50% 47% 45% 44% 5% 5% 5% 5% 14% 14% 14% 17% 2021 2022 2023 9M24 Credit Card Personal Loan Hire Purchase

growth and stability of the Company. However, the target customers of the Company have encountered the problem of household debts during the past few years. The loan approval criteria of financial

repaid the loan cause this expense has been reduced. 8. Share of profit (loss) from investment in associated company In year 2017, share of profit from investment in associated company was Baht 29.26

51.81% from the same period of 2017. This mainly came from an increased in short-term loan from financial institutions that was occurred in first quarter of 2018. K. W. METAL WORK PUBLIC COMPANY LIMITED

and personal loan lead generator. 3. Income from insurance business in Q3/2018 wat 35.1 million baht which is the revenues from non-life insurance that the Company acquired a majority stake since Q2

and an increase in net interest income in line with loan growth, which was consistent with rising net interest margin (NIM). Excluding net profit from investment and income from auction of mortgaged

increasing of investment in All S Holding Co., Ltd. (“All S”) The Board of Directors has resolved to approve the increasing of investment in All S who runs business in automobile assembly, public

amendments have been proposed in parallel, such as pushing forward the civil sanctions for the consideration of National Legislative Assembly of Thailand. The proposed amendment of the Securities and Exchange