bearing debt ratio Current portion of interest-bearing debt to the sum of interest-bearing debt ratio Financial institution loan to the sum of debt ratio Specific industry ration and financial ratio to

: Million Baht Consolidated Separated 1Q23 1Q24 %YoY 1Q23 1Q24 %YoY Credit card income Loan income Hire-purchase income Other income 1,951 2,534 240 734 1,898 2,475 283 851 (3%) (2%) 18% 16% 1,910 2,512 61

Company also complies with the Bank of Thailand to provide the relief measurements to assist our customers by reducing minimum payment for credit card and personal loan as well as providing a grace period

debt. As of November 30, 2020, the Company’s total cards reached 9.11 million cards, including 2.91 million credit cards, and 6.20 million-member cards. The Company has active customers more than 2

from credit card income grew by 18% y-y which corresponds to increasing in the volume of card spending and cash advance. Other income from bad debt recovery grew by 32% y-y. As at August 31, 2022, the

third quarter in 2023. In additions, the household debt rate remained high, the Company, therefore, implemented a more stringent credit lending policy in this quarter and focus on specific customer groups

channels and lower fees from loan-related services. Impairment loss on loans and debt securities fell by Baht 2,244 million. Net Interest Income Million Baht Item Quarter Change (%) 1/2019 4/2018 1/2018 4

/ 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 the covid-19 situation resulting in higher expected credit loss amount during 3Q20 when comparing to the same period last year. For loan portfolio, the Bank continues to focus on asset quality

the industrial sector. While the household debt rate remained high, the Company, therefore, implemented a more stringent credit lending policy in this quarter and focus on specific customer groups to