by 29.9%, corporate banking loans expanded by 73.4%, Lombard loans expanded by 38.3% with real estate development loans also registering a growth of 3.2% YTD. Meanwhile, contractions continue for hire

the same period last year, this is caused by followings: Consolidated financial statements Revenues 1. Total revenues from hire of work totaling 10.25 Million Baht was 1.30 Million Baht or 14.48

(Consolidated) Unit : Million Baht 3Q/19 2Q/20 3Q/20 %QoQ %YoY 9M19 9M20 %YoY Credit card income Loan income Hire-purchase income Other income 1,897 3,048 192 841 1,621 2,905 240 619 1,529 2,616 249 864 -6% -10

in this quarter and focus on specific customer groups to reduce the risk of asset quality by being conservative in personal loans and hire purchase. Profit and Loss Statement Unit : Million Baht

total consolidated revenues were 5,507 million baht, similar to last year, and there is no sale of written-off receivables in the first quarter per usual. However, the revenue from hire purchase and other

year on year by 2.2%. The revenue from hire purchase increased 28.9% and other income increased 26.5%, mainly driven by the gain on sale of investment in AEON Microfinance (Myanmar) Co., Ltd. to AEON

and KBank ATMs have increased to 13% of total personal loan sales. - Motorcycle and Used Car Hire Purchase In the first quarter of 2019, motorcycle and used car hire purchase in Thailand and electrical

cost. - Motorcycle and Used Car Hire Purchase In the first quarter of 2018, motorcycle and used car hire purchase in Thailand and electrical appliances, mobile phone and etc. in oversea business, sharing

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

loans, real estate development loans and housing loans while hire purchase loans declined slightly from the end of 2018. For asset quality, the Non-Performing Loans (NPLs) to total loans ratio for 1Q19