Purchase 106,420 45.7 108,191 47.3 (1.6) Personal loan 6,768 2.9 6,528 2.9 3.7 Micro SMEs loan 7,271 3.1 7,040 3.1 3.3 Housing loan 19,837 8.5 18,642 8.2 6.4 Commercial Lending 55,632 23.9 55,813 24.4 (0.3

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

%, personal loans increased by 35.5%, corporate lending loans expanded by 129.7%, Lombard loans expanded by 62.2% with real estate development loans also registering a growth of 10.4% in 2017. Hire purchase

expanded at 83.9%, personal loans increased by 35.5%, corporate lending loans expanded by 129.7%, Lombard loans expanded by 62.2% with real estate development loans also registering a growth of 10.4% in 2017

. DIRECTORS, SENIOR MANAGEMENT AND EMPLOYEES ..................................... 12 XI. MAJOR SHAREHOLDERS AND RELATED PARTY TRANSACTIONS ..................... 12 XII. INTERESTS OF EXPERTS AND COUNSEL

EXPERTS AND COUNSEL ............................................................. 12 XII. FINANCIAL INFORMATION ................................................................................ 12 XIII

2.5 Hire Purchase 104,609 51.3 103,926 53.9 0.7 Personal loan 5,941 2.9 5,745 3.0 3.4 Micro SMEs loan 5,485 2.7 5,031 2.6 9.0 Housing loan 13,051 6.4 11,252 5.8 16.0 Commercial Lending 47,868 23.5