clients are more likely to leave KPMG for other Big 4 companies in 2020. Data collection and analysis • Our sample covers the period from 2016 to 2020 of 584 Thai non-financial listed companies. Sample and

credit card income and bad debt recovery as well as debt collection service. As of August 31, 2017, Company has active billings of 3.4 million transaction per month and 2.2 million IDs which came from

was due to the fact that the Company has focused on promotional activities were also organized jointly with leading shops and department stores. In May 2017, the Company cooperated with Big C

and offered premiums for credit card purchase that reach specific amount, new special discount for Big C Platinum payWave cardholders when spending at Big C Supercenter, Big C Extra, Big C Market, Mini

, in this quarter, the Company cooperated with Big C Supercenter Public Company Limited to launch Big C World Mastercard, which offering privileges under the concept “The best credit card @Big C”. The

million baht or 5% from last year. This was the result of the Company has cooperated with many high-potential leading business partners to increase member base such as issuance of Big C Platinum payWave

million or 25.56% corresponding to revenue growth of the company and subsidiaries. The increase in Trade accounts receivable which were over due from 6-12 month of THB 223.07 million resulted from a few big

Relationships and Specific Engagements) 4. (Human Resources) 5. (Engagement Performance) 6. (Monitoring) 9 6. 3 AQIs AQIs AQIs AQIs AQIs AQIs AQIs AQIs AQIs KPMG 2563 - 2564 AQIs 1. * KPMG 2563 Big 4 (partner)1

AQIs AQIs AQIs AQIs AQIs AQIs AQIs EY 2563 - 2564 AQIs 1. * EY 2563 Big 4 (partner)2 28 1,113 1.91% - 5.64% 1.57% - 7.20% EQCR) 11 187.5 0.16% - 2.2% 0.32% - 2.5% 72.5 7,520.7 9.44% - 24.6% 3.89% - 21.36

Thailand, the Company had commission income of 362 million baht, increasing by 3% y-y from AEON Insurance Service (Thailand) Co., Ltd. and collection service income of 172 million baht, decreasing by 5% y-y