be consistent with consumer’s behavior. Moreover, our revenue from bad debt recovery continued growing by 31% y-y. Details of each business can be described as follows: Profit and Loss Statement

each business can be described as follows: Profit and Loss Statement (Consolidated) Unit : Million Baht 2Q/20 1Q/21 2Q/21 %QoQ %YoY 1H20 1H21 %YoY Credit card income Loan income Hire-purchase income

business can be described as follows: Profit and Loss Statement (Consolidated) Unit : Million Baht Consolidated Separate 4Q/21 %QoQ FY20 FY21 %YoY FY20 FY21 %YoY Credit card income Loan income Hire-purchase

and Loss Statement (Consolidated) Unit : Million Baht Consolidated Separate 1Q/21 4Q/21 1Q/22 %QoQ %YoY 1Q/21 1Q/22 %YoY Credit card income Loan income Hire-purchase income Other income 1,550 2,612 273

Company has other income for fiscal year 2022 amounted 3,277 million baht, 13.5% growth y-y. Details of each business can be described as follows: Profit and Loss Statement Unit : Million Baht Consolidated

Proceeds under the Registration Statement for Offer for Sale of Securities and Draft Prospectus dated 5 November 2018 (Notification No. SorJor. 63/2018), as per the following details: Unit: Million Baht

with the Notification of the Office of the Securities and Exchange Commission No. SorChor. 63/ 2561 Re: Change of Purposes of Use of Proceeds under the Registration Statement for Offer for Sale of

Statement Cash Flows Statement Accounting Financial Ratios Business Performance Executive Summary Statement of Income 19 of Financial Position Environment Management 3 3 | Management Discussion and Analysis

- The entering into the transaction constitutes an asset acquisition transaction in accordance with the Notification of the Capital Market Supervisory Board No. TorChor. 20/2551, Re: Rules on Entering

financial statement with FKRMM, NDR’s profit will implicitly increase because since the year 2014 to 2016, FKRMM has continued operating profit of 66.23, 61.12 and 54.58 million baht respectively (refer to