in this quarter and focus on specific customer groups to reduce the risk of asset quality by being conservative in personal loans and hire purchase. Profit and Loss Statement Unit : Million Baht

to reduce the risk of asset quality by being conservative in personal loans and hire purchase. Profit and Loss Statement Unit : Million Baht Consolidated Separated 4Q/23 %QoQ FY22 FY23 %YoY FY22 FY23

% 40% 60% 80% 100% 2022 2023 1Q24 Credit Card Personal Loan Hire Purchase Others 3 - Credit Card For the 1Q/2024 credit card revenue reported 1,898 million baht, decreased by 3% from previous year and

%, personal loans increased by 35.5%, corporate lending loans expanded by 129.7%, Lombard loans expanded by 62.2% with real estate development loans also registering a growth of 10.4% in 2017. Hire purchase

expanded at 83.9%, personal loans increased by 35.5%, corporate lending loans expanded by 129.7%, Lombard loans expanded by 62.2% with real estate development loans also registering a growth of 10.4% in 2017

every three years, but will not exceed 3 percent)  Regulations, Methods and Conditions for Operating Personal Loan Business under Supervision The Bank of Thailand (BOT) issued Notification of the BOT No

; (b) a specified property fund; (2) the advertisement must be made in print or electronic media; (3) presentation of the estimated return or the auto-redemption rate shall not be more prominent than

electronic media; (3) presentation of the estimated return or the auto-redemption rate shall not be more prominent than other information contained in such advertisement. In case of specified property fund

electronic media. The presentation of such information shall not be more prominent than other information in the advertisement, and shall have the following statements: (a) a warning stating that “the past

following rules: (1) The advertisement which presents return or past performance of the fund shall be made in print or electronic media. The presentation of such information shall not be more prominent than