Credit Rating Agencies Approved to Issue Credit Rating for Instruments Subject to Rules Concerning Issuance and Offer for Sale and Investment of Funds

Company’s total cards reached 9.03 million cards, including 2.88 million credit cards, and 6.15 million member cards. The Company has active customers more than 2 million IDs, mainly from Bangkok 31%, and in

Networks August 31, 2021 August 31, 2022 Number of Credit Cards (million cards) 3.01 3.19 Number of Member Cards (million cards) 6.28 6.41 Branches Bangkok Province 100 branches 29% 71% 103 branches 30% 70

of August 31, 2017, the Company’s total cards reached 7.96 million cards (including 2.45 million credit cards and 5.51 million member cards). Covering networks nationwide, the Company has 107 branches

Exclusion of Credit Rating Agency Business from Securities Business in the Category of Securities Investment Advisory

1,139.78 1,300.01 1,163.97 (Reversal Of) Expected Credit Losses 5,200.83 4,094.63 1,676.43 1,245.49 Net Income before Tax 7,796.93 6,486.85 7,297.22 7,387.11 Net Profit : Owners Of The Parent 6,318.05

2018 primarily due to the US-China trade war and global uncertainty contributed negative impact on export growth. The growth of credit card business in Thailand continue expansion due to overall economic

per share, totaling 587,500,000 baht or 32.83% payout ratio. The shareholder register book for the right to receive dividends shall be recorded on October 19, 2018. The Company will pay dividend on

which may affect international trade and exchange rate fluctuation. According to the Bank of Thailand data, at the end of December 2017, reported the total numbers of credit card industry amounted to 20.3

of Thailand data, at the end of December 2016, reported the total numbers of credit card industry amounted to 23.2 million cards, has grown by 6% more than last year. Credit Card Receivables was