) Net cash received from Operating Activities totaling Baht 900.05 million Baht from the net income netting off with the changes in assets and liabilities from operations Interest Bearing Debt total

to maintain its D/E ratio of not higher than 2 .0 times. For the long-term loan agreements, there is additional condition to maintain DSCR of not less than 1.1 times. Interest Bearing Debt total

, continued growth of bad debt recovery by 33% y-y as well as a strong growth from overseas businesses. As of November 30, 2018, the Company has active billings of 3.16 million transaction per month and 2.14

doubtful debt allowance in the amount of THB 11mm. The EBITDA and EBIT for 9-month/2019 decreases from the increase of COGS and from the loss from foreign exchanges in 2019 • EBITDA and EBIT margin in Q3

debt recovery increased by 7% y-y as well as revenue growth from overseas subsidiaries by 46% y-y. As of May 31, 2020, the Company has active customers more than 2 million IDs, mainly from Bangkok 31

of household debt. On the other hand, public spending and investment continued to grow due to government’s relief measure through cash injection for people and businesses. As of August 31, 2020, the

mainly form energy prices. Therefore, the unemployment rate at 1.53% in the first quarter of 2022 dropped from the previous year and household debt tends to increase due to rising prices of consumer goods

| MS_SWF.TXT 0000000001|SWF|20080131 SWAP CODE#01|403|11||114|THB|THB|31|pay 2.5% THB|52|receive THBFIX 6M|1|000|TH|Bank C|AAA|03|20080101|20090630| 20080120:135040| MS_OF.TXT 0000000001|OF|20080131 OPTION CODE

. Vanchai Panvichean Acquisition Stock 14.9971 0.2765 15.2737 07/03/2022 14.9971 0.2765 15.2737   246017212203-1 NINE FOREVER ZILLION LIMITED Disposition Stock 16.4136 6.6394 9.7742 21/08/2020 16.4136 6.6394

SOCIAL SECURITY OFFICE Disposition Stock 15.0397 0.0802 14.9595 05/05/2021 15.0397 0.0802 14.9595   246010432105-1 BCP SOCIAL SECURITY OFFICE Acquisition Stock 14.9485 0.2317 15.1802 19/02/2021 14.9485