cardless cashing totally online shopping increased around 2 times and cardless cashing share more than 30% of total personal loans. Moreover, our revenue from bad debt recovery growing by 11% y-y. Details of

first nine-months of 2022, the total consolidated revenues were 16,780 million baht, increasing of 1,183 million baht or 8% y-y. In the third quarter of 2022, the Company recorded revenue at 5,820 million

net profit amount of Bath 105.72 million or Baht 46.49 million decreased which details are as follows; (1) Revenue from sales In 2018, the Company and its subsidiaries had total revenue from sales at

year 204.55 1.42% 183.00 1.35% (21.54) (10.53%) Branches upcountry 86% Bangkok and vicinity 14% Revenue structure categorized by business groups (Unit : Million Baht) 2022 2023 Increase (Decrease) %YoY

follows: Revenue structure categorized by business groups (Unit: Million Baht) Q1/2023 Q1/2024 Increase (Decrease) %YoY Amount % Amount % Retail Business 2,175.67 62.97% 2,406.90 67.47% 231.22 10.63

(Management Services). Details of each plant are as follows: (1) Subsidiaries which can be categorized into 2 businesses: 1. Power Generation 1.1 Local power generation Khanom Electricity Generating Co., Ltd

as follows: - Credit Card In the first half year of 2018, credit cards turnover accounted 63% of total turnovers with revenue of 3,732 million baht, an increase of 406 million baht or 12% y-y. In the

since August 1 last year. In the fourth quarter of 2021, the Company’s revenue were 5,194 million baht, decreasing of 17 million baht or 0.3% q-q but increase by 4% y-y due to reduction of debt collection

% 37.57 0.33% 34.02 0.33% (3.56) (9.47%) Profit for the period 13.69 0.38% 51.25 1.43% 37.56 274.44% 141.30 1.25% 136.54 1.32% (4.76) (3.37%) Total Revenue amounted to THB 10,340.77 million decreased by

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