numbers in the financial statement Q3/2019 and 2018 Table 1: Profit/Loss Statement in Q3/2019 and 2018 Numbers Consolidated Financial Statement Separate Financial Statement Q3/2019 Q3/2018 %Variance Q3/2019

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

88 million baht or 5% y-y and 3% q-q. However, the Company still maintained effective operating cost control with cost to income ratio at 35% of total revenues. Considering the Company’s separate

the separate financial statements Baht (22.01) million Baht 118.00 million 3. Management Discussion and Analysis 3.1 Sales and service income in 2017 has increased by Baht 526.45 million or 134.09

Baht) Separate financial statements 2018 2017 % Change Sales and Service Income 1,940.22 1,979.16 (1.97) Cost of Sales and Services 1,572.51 1,525.25 3.10 Selling and Administrative Expenses 218.91

) Separate financial statements 2019 2018 % Change Sales and Service Income 2,055.48 1,892.88 8.59 Cost of Sales and Services 1,647.83 1,572.51 4.79 Selling and Administrative Expenses 176.25 171.57 2.73

statements) Baht (74.59) million Baht (5.38) million Profit (loss) for three months (from the separate financial statements) Baht (58.18) million Baht 10.66 million 3. Management Discussion and Analysis 3.1

  Dividend Yield (%) 4.92  2.22  2.26  Payout Ratio 0.88  0.17  N/A  Dividend Policy Not exceeding than 50% of net profit after deducting corporate income tax of the separate financial statements (with

percent of net profit according to separate financial statements after corporate income tax and after necessary and appropriate legal reserves (with additional conditions) 1  CG Score 2021 from Thai

separate financial statements, after deducting income tax and all reserves as required by law and by ABICO (with additional conditions) 1  CG Score 2021 from Thai Institute of Directors Association (IOD) 2