mostly unrealized and incurred from the appreciation in the Baht currency in the quarter. Finance cost was Bt1,194mn decreasing 7.5% YoY and 1.9% QoQ following lower interest-bearing debt. Average cost of

debt. As of November 30, 2020, the Company’s total cards reached 9.11 million cards, including 2.91 million credit cards, and 6.20 million-member cards. The Company has active customers more than 2

instruments where applicable. Finance cost was Bt1,320mn, decreasing -4.8% YoY and -3.4% QoQ from lower interest-bearing debt. The average cost of borrowing remained stable at 2.6% per year. Profit In 1Q22

-4.8% from both current (lower trade & other payable and current portion of long-term debt) and non-current liabilities (lower lease liability and spectrum payable offset by increased long-term

reduced down to 0.81%. However, substance macroeconomic challenge is remained as the level of household debt (seasonal adjusted) continued to increase from 90.7% in the 1Q/2023 to 91.4% in 1Q/2024. For the

securities and derivatives business operators of all types, as follows: - broker, dealer and underwriter of investment units - broker of debt securities - dealer of debt securities - underwriter of debt

increase its working capital overall. However, the percentage of financial costs over total sale and service income this year was 6. 5% , declining from 7. 2% of the previous year. However, the Company gave

% 28.3% 19.7% Working Capital Management (Days) Trade Receivable Period 62 63 62 62 Inventory Period ** 41 44 40 44 Trade Payable Period 51 51 52 51 Leverage Ratios (x) Interest Coverage 5,075.2 27.3 113.7

2016 to Bt6,576 million as of December 31, 2017; short-term debt as well as the long term loan decreased due to increased cash flow from operations and as the Company repaid the long-term loan in advance

management. Clause 4. Those licensed to operate the following businesses shall pay the annual fixed fees to the Office at the specified rates as follows: (1) Dealing of debt securities, at the rate of Baht