expenses equal to 636.7 million baht, 12.8 % increasing. This is due to the allowance of provision in distress debt management business and personal loan business. Finance Cost The company had total

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

year, which the change was mainly from; • Trade account payable amounted to 30.84 million baht, decreased by 3.94 million baht or 11.33% due to lower raw material reserves. • Provision for long-term

reserves and financial investments were THB 8.7 billion at 31st December 2019 similar to THB 8.7 billion at 31st December 2018 . reviewQ419.xlsx MD&A 2019 24/02/2020 Asset Quality Accounts Receivable Most of

the annual general meeting in April and paid out in May. Financial Status The group currently has no interest bearing debt. Cash reserves and financial investments at the 31st December, 2017 were THB

able to collect long-outstanding account receivables, resulting in a reversal of reserves for doubtful debt for period of THB (0.08) million Administrative expense for the first quarter of 2018 consists

and cash equivalents in the amount of THB 450.39 million. This was pursuant to the Company’s policy in maintaining liquidity and setting aside cash reserves to be used as working capital in order to

projection late last year. The ratio of non- performing loan (NPL) to total loans was 4.1 percent. The ratio of loan loss reserves to NPL was 170.5 percent. The Bank continues to work closely side by side and