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
the SEC Office according to the methods and procedures prescribed in the Licensing Manual for the Public. We have studied, acknowledged and understood the Personal Data Protection Policy for internal
and derivatives business operators to support the government’s policy above and align with the holiday schedule established for financial institutions and specialized financial institutions.
emissions through the Low Emission Support Scheme (LESS) and the Thailand Voluntary Emission Reduction Program (T-VER), which are part of Thailand’s initiative to support voluntary emission reduction. The
support the growth of the Company group in the future including Fintech in Thailand. In the first quarter of 2019, the Company had operating results according to the consolidated financial statements, with
support of investment and private spending as well as bolstering opportunities for other economic sectors. Nonetheless, protectionism triggered by the US-China trade dispute dealt a blow to global economic
margins. • Our portfolio serving end markets of food, beverages, personal care and hygiene were positively influenced during pandemic. We are also pleasantly surprised that our material which goes into
personal expenses and the depreciation because of the expanding capacity of subsidiaries. Sincerely yours, (Mr.Pongpat Patanavanich) Managing Director