)  2H2020 transaction amount better than 1H2020 from COVID-19 situation recovery.  Money transfer business to grow 60-65%.  New 500 - 1,000 Boonterm kiosks.  CAPEX of Bt100-200mn.  Target lending

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

personal loan revenues and higher bad debt recovery. In addition, in September the Company launched “AEON Thai Mobile Application” which is new financial innovation to meet lifestyle in digital era and

other hand, our revenue from bad debt recovery continued to grow that increased by 26% y-y and the revenue from overseas subsidiaries grew by 28% y-y. Details of each business can be described as follows

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

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

eating-out and having desserts. The increase was also due to the growth in the number of branches and the recovery of incoming tourists. R E V E N U E : • The Company’s Gross Profit in Q3/2022 and 9M/2022

recovery of economic activity and domestic consumption. In order that, the unemployment rate at 1.9% in the 3rd quarter of 2020 slightly decreased from the previous quarter and a higher level of household

or 3% from last year. The revenues growth came from an increase in credit card income and bad debt recovery. As of May 31, 2017, The Company has active billings of 3.42 million accounts per month with

the growth in sales of dessert cafés, which accounts for the largest share of revenue. The growth in sales of dessert cafés was mainly due to the improving COVID-19 situation and the recovery of