. Operations of Support Groups 38 5.1 Human Resource Management 38 5.2 IT Management 40 1 1. Overview of Operating Environment 1.1 Global and Thai Economy in the First Quarter of 2020 The global economy saw a

Samut Prakan District, Samut Prakan Province Capital structure: Before IPO As of 23 March 2018, UAPC had a paid-up registered capital of 180 million Baht, divided into 1,800,000 ordinary shares with a par

291.75 mn with the purpose to acquire the land sublet right in order to support the business expansion in Si Racha district, Chonburi. After the transaction, shareholding proportion in Dara Harbour Co

%, consistent with robust global economic expansion and strong growth momentum from last year. A robust global economy will support Thai merchandise exports to grow by 4 .8% annually together with the tourism

has not been directly nor significantly affected by the COVID-19 pandemic, the Company has put in place measures to alleviate the burden of the public in support of the government’s measures to

%) Earnings Per Share (Baht per share) 2.47 3.37 36% 8.07 5.84 (28%) 3 Sales and Revenues Structure for the 1H/2023 - Credit Card For 1H/2023 financial results, credit card turnover accounted 69% of total

218 171 (22%) 815 550 (33%) Net profit for the period 842 706 (16%) 3,122 2,165 (31%) Earnings Per Share (Baht per share) 3.37 2.82 (16%) 12.49 8.66 (31%) 3 Sales and Revenues Structure for the 9M/2023

Management Discussion & Analysis 2022 1 I 9 Branches upcountry 86% Bangkok and vicinity 14% Revenue structure categorized by business groups (Unit : Million Baht) 2021 2022 Increase (Decrease) %YoY Amount

Share (Baht per share) 4.38 55% 15.26 13.04 (15%) 14.84 13.01 (12%) 3 Sales and Revenues Structure for the Fiscal Year 2023 - Credit Card For the fiscal year 2023 financial results, credit card turnover

income surged significantly, especially the 19% increase in bad debt recovery. However, this year the Company will focus on fee-based income expansion. Revenues Structure Profit and Loss Statement Unit