personal loan revenues and higher bad debt recovery. In addition, in September the Company launched “AEON Thai Mobile Application” which is new financial innovation to meet lifestyle in digital era and

cardless cashing totally online shopping increased around 2 times and cardless cashing share more than 30% of total personal loans. Moreover, our revenue from bad debt recovery growing by 11% y-y. Details of

to the tourism recovery and private consumptions. In additions, the inflation rate decelerated to 3.9% in this quarter from 5.8% last quarter and the unemployment rate in 1Q/2023 continues to reduce to

by 3.2%, higher than 2.9% growth in 2015, according to data from Bank of Thailand and NESDB. This was mainly from acceleration of government expenditure and the recovery in both of farm income and

from contraction of export sector as global consumer demand weakened. The tourism sector and private consumption grew at a slower pace. On the other hand, the personal loan of commercial banks and

) accelerating from 2.5% in the last quarter which was in line with relaxation of the COVID-19 situation. In addition, the supporting factors were the recovery of tourism and the continuously expanded both of

the result of continue growth in core business revenues that increased by 10% y-y, especially in personal loan and hire purchase products as well as a strong growth revenue from bad debt recovery by 42

addition, the Bank of Thailand cut the ceiling rates for 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

rates on credit card from 18% to 16% per annum and personal loan from 28% to 25% per annum, effective from August 1, 2020 onward. However, the company focuses on promoting sales through online channels to

recovery of economic activity and domestic consumption. In order that, the unemployment rate at 1.9% in the 3rd quarter of 2020 slightly decreased from the previous quarter and a higher level of household