67.37 94.72 27.35 40.60% Income tax expenses 59.19 65.40 6.21 10.49% Net profit 227.68 252.81 25.13 11.04% Net profit ratio (ROS) 16.00% 14.78% Earnings per share (Baht) 0.37 0.42 0.05 13.51% Total

0.17 2.84% Profit (loss) from exchange rate 1.81 0.66 1.15 175.88% 1.81 0.66 1.16 176.37% Total Revenue 406.40 327.64 78.75 24.04% 400.05 326.12 73.93 22.67% Sharing of gain (loss) from investment value

Management Discussion and Analysis for the year 2021 4 Core Operating Profit (defined as Earnings before Interests and Taxes exclude interest income, gain (loss) on exchange rate and other irregular items) for

card purchase and cash advance were 32% and 24% respectively. In the third quarter of 2022, the Company has gain on sales of written off account receivables of 299 million baht. However, our revenue from

– Unrealized gain / (loss) from FX – Non-recurring income / (expense) KEY FINANCIAL HIGHLIGHT Sales and Service Income  Sales and service income increased 14.6% year- on-year from Baht 20,691 million for 9M

(%) 27.9% 27.2% 27.0% 27.2% NNP margin (%) 8.9% 10.2% 7.4% 10.2% % NNP - Owner of the parent 62.1% 61.7% 58.5% 61.7% Remark: * Normalized net profit = Net profit – Unrealized gain / (loss) from FX – Non

and services income, net 1,275,577 1,130,742 144,835 12.8 Gain on financial instruments measured at fair value through profit or loss 459,381 0 459,381 n.a. Gain on trading and foreign exchange

and services income, net 1,275,577 1,130,742 144,835 12.8 Gain on financial liabilities designated at fair value through profit or loss, net 459,381 0 459,381 n.a. Gain on trading and foreign exchange

-21.785 -8.91 Profit (Loss) from Exchange Rate 4.09 4.61 0.52 12.71 1.19 0.48 0.35 -0.13 -27.08 -0.84 -70.59 Other Revenue 5.51 6.63 1.12 20.33 2.13 1.18 1.32 0.14 11.86 -0.81 -38.03 Gain from buying at a

170.45 142.90 27.54 Gross profit margin 15.33% 13.51% 1.82% Other income 4.77 3.67 1.09 Selling expenses 2.66 4.73 (2.07) Administrative expenses 80.76 84.95 (4.19) Earnings before interest and tax 91.79