ceiling rates of interest rates on credit card from 18% to 16% per annum and personal loan from 28% to 25% per annum since August 1 last year as well as the announcement of temporary lockdown in July and

addition, the Bank of Thailand cut the ceiling rates for interest rates on credit card from 18% to 16% per annum and personal loan from 28% to 25% per annum, effective from August 1, 2020 onwards. On the

of Thailand cut the ceiling rates of interest rates on credit card from 18% to 16% per annum and personal loan from 28% to 25% per annum, effective from August 1, 2020 onwards. On the other hand, our

(Consolidated) Unit : Million Baht 3Q/20 2Q/21 3Q/21 %QoQ %YoY 9M20 9M21 %YoY Credit card income Loan income Hire-purchase income Other income 1,529 2,616 249 864 1,594 2,586 258 906 1,676 2,597 274 664 5% 0.4% 6

Group places focus upon 1) Credit Business 2) Private Banking and 3) Investment Banking. For Credit Business which will focus on loan expansions to retail and Small and Medium Enterprise segment, the

effective interest method and also from the recognition of interest income from non-performing loans. Yield on loan for 1Q20 increased to 7.7% from 7.2% in 1Q19. Additionally, the Bank has lowered the lending

/ Total loans (excluding interbank) 4.0 Total loan loss reserve/ Total NPLs (coverage ratio) 1 114.1 113.2 110.1 111.2 111.2 115.9 1 Excluding loans classified as Purchased or originated credit impaired

from sale of repossessed cars (credit cost) stood at 1.33% of average loan for the year 2019. Allowance for doubtful accounts and allowance for troubled debt restructuring amounted to Baht 10,589 million

provisions including loss from sale of repossessed cars (credit cost) stood at 1.37% of average loan for 3Q19. Allowance for doubtful accounts and allowance for troubled debt restructuring amounted to Baht

provisions including loss from sale of repossessed cars (credit cost) stood at 1.37% of average loan for 3Q19. Allowance for doubtful accounts and allowance for troubled debt restructuring amounted to Baht