represented 41% of total revenues. The expenses increase came from marketing expense increased 12% y-y and personal expense increased 8% y-y. For the second quarter of 2019, the consolidated operating and

expense was mainly from personal expense, administrative, and marketing activities. For the third quarter of 2022, the consolidated operating and administrative expenses were 2,039 million baht increased by

credit card spending and acquisition of new credit card customers. In addition, our consolidated revenue from Personal Loan were 10,385 million baht, stable from previous year and consolidated hire

to AEON cardholders. Summary of Operation Results 1. Operating Results Revenues The Company reported 13,607 million baht of total consolidated revenues for the nine-month period of 2017, showing an

increase new target group of customers, higher personal expense for support sales growth as well as oversea business expansion. - Bad debt and Doubtful accounts The consolidated bad debts and doubtful

million cards, has grown by 1% more than last year. Credit Card receivable was 394,123 million baht, with the growth of 9% from the same period last year. For personal loan industry, the numbers of account

Management Discussion and Analysis For the 1st Quarter 2021 ended May 31, 2021 AEON Thana Sinsap (Thailand) Public Company Limited (“the Company”) has already submitted the consolidated reviewed the

consolidated risk management framework that emphasizes management of risks, e.g., credit, market, liquidity, operational, digital and strategic risks. KBank’s risk management structure clearly determines duties

of expenses came from marketing expense which increased 14% y-y and personal expense increased 8% y-y. For the third quarter of 2019, the consolidated operating and administrative expenses were 2,353

Company also complies with the Bank of Thailand to provide the relief measurements to assist our customers by reducing minimum payment for credit card and personal loan as well as providing a grace period