Holding Company investing in retail business such as mobile phone distribution and accessories, non-performing debt management, real estate development, hire purchase (associated company), personal loan

due to the recognition of special profits, while loan growth and credit quality were affected by the economic slowdown. The combined net profit of the commercial banking system was Baht 270.9 billion, a

389.74 million Baht from the end of the year 2016 due to loan repayment as schedule by 808.20 million Baht in March and June 2017, in addition to the dividend payment in May 2017 by 449.20 million Baht

decreased by 32.1%, mainly from loan repayment of THB 5,000 mm, from WHAUP’s IPO proceeds. Moreover, the Company had repaid the loan from assets monetization to REITs in the fourth quarter of 2016.  The

came from an increased in short-term loan from financial institutions that was occurred in first quarter of 2018. 4. Net Profit For fiscal year of 2018, the Company financial statement represents net

: - Short term loans from financial institutions were 910.00 million Baht, increased by 827.00 million Baht from the end of the year 2016 because the company had drawdown additional short term loan for

institutions were 880.00 million Baht, increased by 797.00 million Baht because the company had drawdown additional short term loan for working capital management. - Long term loans from financial institutions

Page 6 of 7 2.2.2 Long term loan from banks, which are due within one year, was of Bt337.2 million which were belonged to BAFS at the amount of Bt197.7 million and belonged to TARCO and FPT at the amount

customers more than 133,535 with representing 5% of total company customers. The Company and subsidiaries have managed liquidity risk of operating cash flow under the COVID- 19 situation with soft loan

revenue by leveraging its resources across various financial products and services. 31% 34% 36% 36% 50% 47% 45% 44% 5% 5% 5% 5% 14% 14% 14% 17% 2021 2022 2023 9M24 Credit Card Personal Loan Hire Purchase