allocation and offering of not more than 21,801,000,000 newly issued ordinary shares of the Company, at the par value of THB 5 per share, to Asia Credit Opportunities I (Mauritius) Limited (“ACO I”), a

terms under the Credit Agreement, including the interest rate and fees, loan period, and collaterals thereunder, in comparison with the interest rates or other terms offered by private equity funds the

Digital lending license and launched Digital personal loans in November 2021. Since, the Bank of Thailand has relaxed debt assistance from BOT increasing credit line from 1.5 to 2 times for customers

managed the customer credit during Covid- 19, including monitoring and collecting accounts receivable, resulted in the decrease in allowance for expected credit losses. 3 Management Discussion and Analysis

the consolidated financial statements of the Company and its subsidiaries for the six-month period ended 30th June 2017. The Company reported consolidated net profit (attributable to equity holders of

from the covid-19 situation resulting in higher expected credit loss amount during 3Q20 when comparing to the same period last year. For loan portfolio, the Bank continues to focus on asset quality

, total investment, and a robust export growth. As of May 31, 2018, the Company’s total cards reached 8.24 million cards (including 2.52 million credit cards and 5.72 million member cards), net increasing

, 2018, the Company’s total cards reached 8.34 million cards (including 2.56 million credit cards and 5.78 million member cards), increased by 2% from the end of fiscal year 2017. Covering networks

supported debtors who were affected from the pandemic. Although the loan quality is likely to deteriorate, Thai banks remained sound thanks to close monitoring of credit quality, high levels of capital fund

and Administrative Expenses 244.45 197.78 +23.60 Financial Cost 30.80 34.60 -11.00 Net Profit 189.79 287.27 -33.93 (Unit : Million Baht) Financial statements in which equity method is applied 2017 2016