20T H ANNIVERSARY 1 Securities and Exchange Commission, Thailand Annual Report 2012 SEC ANNUAL REPORT 20122 THE YEAR OF CHANGE The year 2012 was the time for change to become the visionary partner whose balance between proactive and preventive approaches has led to stakeholders’ confidence in the Thai capital market. THE YEAR OF CHANGE 20T H ANNIVERSARY 1 02 MESSAGE FROM THE CHAiRMAN 04 MESSAGE FROM THE SECRETARY-GENERAl 06 SEC BOARd 09 CApiTAl MARkET SupERviSORY BOARd 12 ExECuTivE OFFiCERS 13 O...

and unemployment problem as improve from the government measure, such as ameliorate cost of living. In particular, the adjustment to the minimum wage in past. As a result in the year 2018, the Group has

of household debt. On the other hand, public spending and investment continued to grow due to government’s relief measure through cash injection for people and businesses. As of August 31, 2020, the

business can be described as follows: Profit and Loss Statement (Consolidated) Unit : Million Baht Consolidated Separate 4Q/21 %QoQ FY20 FY21 %YoY FY20 FY21 %YoY Credit card income Loan income Hire-purchase

from the end of 2019 with growth driven by hire purchase, housing and corporate lending segment. For asset quality, the Non-Performing Loans (NPLs) to total loans ratio for 3Q20 declined further to 2.9

. To measure the transaction value the method used is book value of net tangible asset (NTA) and the value is 70.24% of the total asset. Over the past 6 months, UU has signed the agreement to sell water

(Consolidated) Unit : Million Baht 1Q/20 4Q/20 1Q/21 %QoQ %YoY Credit card income Loan income Hire-purchase income Other income 1,738 3,076 249 593 1,563 2,525 276 639 1,550 2,612 273 607 -1% 3% -1% -5% -11% -15

compare with the previous year amount to Baht 10.08 million, decrease Baht 0.12 million or decrease 1.17%, this is due to the company set measure to control appropriate spending. 4. Administrative expenses

Bank’s loan portfolio for 1Q21 expanded by 2.1% from the end of 2020 with growth driven by hire purchase, housing and real estate lending segment. For asset quality, the Non-Performing Loans (NPLs) to

121.61 7.10% 16.75 0.79% 625.92% Total Revenue 1,712.06 100.00% 2,107.54 100.00% -18.76% FOR THE YEAREND 3  Profit from assessment of fair value on financial assets as measure of value of marketable over