disclose information and the vision of the management in order to assist investors to better understand the company's financial status and operation. It also supports the "Good Corporate Governance Project
welfare, Tax deduction for domestic tour package and shopping. As of November 30, 2017, the Company’s total cards reached 8.06 million cards (including 2.48 million credit cards and 5.58 million member
of the management in order to assist investors to better understand the company's financial status and operation. It also supports the "Good Corporate Governance Project" of the Securities and Exchange
the lockdown measures both in domestic and foreign, resulting in the resumed economic activity. The government expenditure continued to expand both in current expenditure and capital expenditure. Those
public consumption and private investment were constantly expanding. However, Thai economy still faces other risk such as The U.S.-China trade war, global economic uncertainty and domestic political
pandemic of COVID-19, which has a severe impact on tourism, production, exports and private consumption. Private investments tend to decline in 2020, according to both domestic and international demand. For
tends to contraction more than expected. The decreased domestic and foreign demand resulted in a strong contraction in private investment and it also still contracted in almost all components except
the COVID-19 pandemic continues to affect private consumption and domestic tourism sector continued to decline. As of May 31, 2021, the Company’s total cards reached 9.25 million cards, including 2.98
due to COVID-19 and lock down business. Net profit was mainly contributed by continued growth of bad debt recovery and efficiently control the operation cost and funding cost. 6 2. Financial Status