ทำได้ด้วยการติดตามตั้งคำถาม (engage) กับกิจการที่ลงทุน ดังนั้น ก.ล.ต. จึงได้จัดทำ Engagement Questions ฉบับนี้ขึ้นด้วยความร่วมมือกับ Asia Investor Group on Climate Change (AIGCC) โดย บลจ. สามารถนำชุด

Offeror : AIG CONSUMER FINANCE GROUP INC. | Date of submission of the Statement of Intention : 28/05/2002

% 2.2% 29.9% 27.2% (2.7%) Net profit margin1 (%) 17.7% 8.1% (9.6%) 19.7% 7.1% (12.6%) Number of branches as at Dec 312 38 39 3% 38 39 3% 2019 2020 Change +/(-) Change +/(-) Q4/19 Q4/20 Operating highlight

) shrank by 1.9 percent and SME loans (excluding financial businesses) contracted by 2.1 percent. Consumer loans (35.9 percent of all loans) grew by 7.5 percent, decelerating from the previous year, with the

: Notification on Resolution of the Board of Directors’ Meeting No. 5/2020, Change of Directors and Directors’ Power, Entering into Connected Transaction, Entering into Transaction on Acquisition of Assets and

2020, decreased. At the end of 2018, loans in the commercial banking system were 6.0 percent higher than at the end of 2017, in line with an increase in consumer, SME and corporate loans, which expanded

from the change in defined benefit plan according to KBank’s employment policy which is not related to labor law, together with rising marketing expenses, our cost-to-income ratio stood at 45.02 percent

Discussion & Analysis Q2/2021 Operating Highlights in Q2/2021 Q2/20 Q2/21 Change +/(-) 1H/20 1H/21 Change +/(-) (THB million) %YoY %YoY Operating Revenue 144 137 (5%) 363 317 (13%) Gross Profit 79 77 (3%) 216

Discussion & Analysis Q3/2022 Operating Highlights in Q3/2022 Q3/21 Q3/22 Change +/(-) 9M/21 9M/22 Change +/(-) (THB million) %YoY %YoY Operating Revenue 115 246 114% 431 674 56% Gross Profit 60 159 165% 242

excellence, with greater consideration of consumer protection in order to deliver excellent financial products and an unsurpassed service experience to all our customers. Meanwhile, KBank places equal