are calculated from Total Revenue 1 Financial PerformanceExecutive Summary Significant Events Management Discussion & Analysis Q1/2022 2 Expanding to Overseas Market • On January 25, 2022, the Company

branch, Suvarnabhumi Airport branch, Central Phitsanulok branch and Central Khon Kaen branch. In 2023, the Company aims to expand 5 branches of Dessert café in both Bangkok and other provinces. Expanding

& Analysis Q2/2023 Executive Summary Significant Event Focus on Expanding Luggaw and Mikka Cafe During Q2/2023, the Company opened a new Luggaw branch in Samyan Mitrtown and opened another store at Unicon

E T P R O F I T a n d N E T P R O F I T M A R G I N : Financial Performance Management Discussion & Analysis Q4/2023 Executive Summary Significant Event Focus on Expanding Luggaw and Mikka Cafe In Q4

supply has fallen drastically over the years. Nevertheless, the company is relentlessly developing new products that meet current market needs while securing and developing new customer accounts base on

customers increase and expanding a financial product line. In addition, in the third quarter of 2019, the Company recorded the other incomes from gain on sales of written-off receivables at the amount of 248

reliance on sales in China. At present, the Company’s products are well- received in the Philippines but still could not make up for the slowdown in sales in China. The Company is committed to expanding

addition, the Company has expanding more cashing service channels providing more convenience to customers and this also saved the Company’s operation cost. AEON members can utilize the revolving loans

grow. Expanding business toward secure debt acquisition to manage. And set up collection business in CLMV region. Management and Discussion Analysis FS2017 Page 7/7 Jaymart Public Company Limited 3

Microfinance (Myanmar) Company Limited of 123 million baht, which grew by 41% y-y and AEON Specialized Bank (Cambodia) PLC of 84 million baht, grew by 52% y-y. In addition, the Company has been expanding more