end of 2018 to Bt4,739 million as of December 31, 2019; short-term debt as well as trade and other current payables decreased due to increased cash flow from operations; long-term debt increased to

debt ratio stemming from increased loans and lower shareholder equity, the ratio was nonetheless at comfortably low level. The interest coverage ratio (EBITDA / finance costs) decreased to 53.7x from

debt amount of 33.91 million baht, increased 207.89 million baht or 5.98% from the same period of last year due to estimated allowance from debtor not yet repaid, which the estimates are in accordance to

from financing activities was Baht 1,010.50 million mainly from increased short-term debt. As a result, net cash increased by Baht 667.48 million from the beginning balance. Financing In Q1 2019, finance

which came from additional investments in investments in associated companies and fixed assets. Net cash from financing activities was Baht 1,496.09 million mainly from increased short-term debt. As a

7,067.78 million mainly from increased short-term debt. As a result, net cash increased by Baht 1,837.96 million from the beginning balance. Financing For the first half of 2019, finance cost amounted to

debts to equity (D/E) ratio was higher than Q1 2018 at 0.80 times, primarily due to increased debt level. Please be informed accordingly. Yours sincerely, Mr. Yeap Swee Chuan President & CEO

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

other incomes in bad debt recovery increased by 17% y-y. As of May 31, 2022, the Company has active customers more than 2.6 million IDS, mainly from Bangkok 30%, and in up-country 70%. For overseas

other hand, our revenue from bad debt recovery continued to grow that increased by 26% y-y and the revenue from overseas subsidiaries grew by 28% y-y. Details of each business can be described as follows