. 2. Total Interest Income 0.50 Million Baht was 0.01 Million Baht or 30.36% lower from the last year. The savings of subsidiaries decreased for working capital. 3. Dividend income 0.02 Million Baht was

the result of continue growth in core business revenues that increased by 10% y-y, especially in personal loan and hire purchase products as well as a strong growth revenue from bad debt recovery by 42

curb the pandemic. From the situation, unemployment rate in the second quarter of 2021 was at 1.89% and household debt showed high level. As of August 31, 2021, the Company’s total cards reached 9.29

1 Ref. No. JUTHA-10/2563 November 2, 2020 Subject: Amendment of Articles of Association, Debt to Equity Conversion Constituting a Connected Transaction, Issuance and Offering of Newly Issued Ordinary

financial instruments were derived from a variety of activities, including, derivative warrants (DWs), over-the-counter (OTC) derivatives, investments in debt and equity securities for the Company’s own

. This was because stock dividend in 2017 and net profit increase from operation. The Company’s Debt to Equity Ratio stood at 2.53 times increase from 2016 which was 2.26 times. For the Company’s Interest

Baht 3,056 million, dividend income from TEX of Baht 36 million, and interest income of Baht 5 million, while cash was paid for assets and project investment of Baht 304 million, dividend payment

expenses were Bt15,665mn, decreasing -12%YoY due to lower bad debt and staff-related expenses. In 2021, % bad debt to postpaid & FBB revenue decreased to 2.6% from 4.4% in 2020. Net FX loss was Bt-646mn in

baht and intense competition. Transaction For the Year ended 31st December Unit 2018 2017 Gross Profit Ratio % 14.58 15.60 Earnings Ratio % 3.15 4.88 Debt to Equity Ratio Time 0.27 0.29 Return on Equity

assets, long-term loans, obligated employee benefit, dividend payable, income tax payable, other current liabilities and liabilities held for discontinued operations 4 Consists of long-term loans