table sets forth certain details regarding the appraisal value and outstanding balance of our loans purchased and properties for sale that had been converted from collateral (“Foreclosed Collateral

2017 PERFORMANCE ANALYSIS (YoY) In 3Q 2017, the Company once again achieved an outstanding top and bottom line performance compared to the same quarter last year supported by; 1) The consolidation of

collateral properties The following table sets forth certain details regarding the appraisal value and outstanding balance of our loans purchased and properties for sale that had been converted from collateral

into year-end due to continued strength at our customers taking into account the normal seasonal effects” 2. Outlook Marco environment experienced some notable headwinds particularly in the tourism

(mostly related to Thai Financial Reporting Standard No. 16 (TFRS 16). Other notable cash flow changes were (1) Trade and other Current Payables which increased by THB 80.7 Mn (2) Accrued Expenses which

full year 2021 was also notable at Baht 1,282.29 million, compared to 542.08 million in 2020. On average, our core operating profit in 2021 was strong at an average of Baht 320 million per quarter. Gain

2022. Core Operating Profit (defined as Earnings before Interests and Taxes exclude interest income, gain (loss) on exchange rate and other irregular items) for 9M 2022 was also notable at Baht 1,509.1

million in the same period ended September 30, 2018 due to the lower bank overdrafts and short-term loan outstanding for the three-month period financial statement ended September 30, 2019. For the three

project’s progress, the allocated amount and the outstanding balance. Such reports must be available for public access via disclosure channels such as the issuer’s website. In addition to the disclosure above

be deposited by clients as the (Unofficial Translation) Page 2 of 2 margins for their outstanding derivatives positions shall be in accordance with the minimum rate or value prescribed by the