of Thailand cut the ceiling rates of interest rates on credit card from 18% to 16% per annum and personal loan from 28% to 25% per annum, effective from August 1, 2020 onwards. On the other hand, our

increased by 9% y-y, especially in personal loan and hire purchase products as well as continued growth from bad debt recovery by 33% y-y. The revenue from overseas subsidiaries grew by 60% y-y as a result of

the Company’s branches. In addition, a variety of online transaction channels have resulted in the Cardless transactions currently accounted for 95% of total personal loan sales, which Promptpay service

will focus on more premium products to increase profitability, and more mass products to increase sales volume, both in the fruit juice category as well as other categories, which will also help reach

a contraction in overall vehicle sales. Other personal loans and credit card loans decreased in tandem with a decline in private consumption growth. Looking forward, financial institutions expect

Installment Value as per contract* (Baht in Million) Housing Loan 472 831.67 Corporate 16 599.66 SME 13 340.21 Personal Loan 46 102.87 Total 547 1,874.41 2. NPAs Installment sales 122 81.54 * Outstanding loan

competition in securing and getting NPLs/ NPAs as many players would likely shift their focus towards secured collateralized loans, which deem to be less risky than that of the unsecured personal loans or

. Demand for other personal loans also decreased. Going forward, financial institutions expect increasing demand for business credit, especially from small and medium sized businesses in construction

to submit the application forms in the shopping stores all over the country. - Loans In the first half year of 2017, loans shared 39% of total turnovers (shared 23% from personal loan and 15% from

personnel directly responsible for fund management so as to ascertain and examine the acts of such personal; (b) methods and locations for the keeping of documents and evidences to be prepared for or used in