credit card income and bad debt recovery as well as debt collection service. As of August 31, 2017, Company has active billings of 3.4 million transaction per month and 2.2 million IDs which came from

increase in core business revenues by 11% y-y, and bad debt recovery by 27% y-y. The revenues of subsidiaries in Thailand and overseas shares 6% of total company’s revenues and overseas revenue grew by 50

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

increased by 9% y-y, especially in personal loan and hire purchase products as well as continued growth from bad debt recovery by 33% y-y. The revenue from overseas subsidiaries grew by 60% y-y as a result of

operating expenses to support the group’s business expansion was offset by the decrease in financing cost on lower borrowings and the debt recovery from the securities business receivable of Baht 16.06

level as the previous quarter. This was mainly contributed from an increase in credit card income by 14%, personal loan income by 15% and other incomes in bad debt recovery and collection service income

other incomes in bad debt recovery increased by 17% y-y. As of May 31, 2022, the Company has active customers more than 2.6 million IDS, mainly from Bangkok 30%, and in up-country 70%. For overseas

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

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

personal loan and hire purchase products as well as continued growth from bad debt recovery by 32% y-y. The revenue from overseas subsidiaries grew by 63% y-y. In addition, in the fourth quarter of 2019, the