from credit card income grew by 18% y-y which corresponds to increasing in the volume of card spending and cash advance. Other income from bad debt recovery grew by 32% y-y. As at August 31, 2022, the

fiscal year 2023, the Company has total new sales and credit card spending increased by 4% y-y, mainly due to the continual increase in credit card spending and marketing with business partners. However

: Million Baht 3Q/18 2Q/19 3Q/19 %QoQ %YoY 9M18 9M19 %YoY Credit card income Loan income Hire-purchase income Other income 1,914 2,689 111 511 1,887 3,020 173 584 1,897 3,048 192 841 1% 1% 11% 44% -1% 13% 73

million active IDs which came from up-country 69% and Bangkok 31%. Details of each business can be described as follows: 2 - Credit Card For the nine-month period of 2018, credit cards turnover accounted 63

Card In the first half year of 2019, credit cards turnover accounted 63% of total turnovers with revenue of 3,754 million baht, an increase of 222 million baht or 1% y-y. In the second quarter of 2019

: Million Baht Consolidated Separated 1Q23 1Q24 %YoY 1Q23 1Q24 %YoY Credit card income Loan income Hire-purchase income Other income 1,951 2,534 240 734 1,898 2,475 283 851 (3%) (2%) 18% 16% 1,910 2,512 61

named “Work from Here”. The Company also offered various credit card promotions and various forms of sales promotions through television, radio and other media. Online sales decreased by THB 64.68 million

such as credit card cash advance and YourCash while credit card shopping showed recovery at 3% q-q supported by domestic consumption in supermarket, online shopping and traveling. In addition, the Bank

the first quarter of 2023 and increased by 0.7% in 2Q/2023. For the 2Q/2023, the Company has total new sales increased by 7% y-y, mainly due to the continual increase in credit card spending and

the transaction relating to assets and services (Type 4) which is an acquisition of ordinary shares in TBSP (a subsidiary of the Company and the Company is the major shareholder holding 77.74% shares in