OPPORTUNITY DAY

Full Year 2022

Heng Leasing and Capital Public Company Limited

Disclaimer 2

The information contained in this presentation is for information purposes only and does not constitute an offer or invitation to sell or the solicitation of an
offer or invitation to purchase or subscribe for share in Heng Leasing and Capital Public Company Limited (“HENG” and shares in HENG “shares”) in any
jurisdiction nor should it or any part of it form the basis of, or be relied upon in any connection with, any contract or commitment whatsoever.
This presentation may include information which is forward-looking in nature. Forward-looking information involve known and unknown risks, uncertainties
and other factors which may impact on the actual outcomes, including economic conditions in the markets in which HENG operates and general
achievement of HENG business forecasts, which will cause the actual results, performance, or achievements of HENG to differ, perhaps materially, from
the results, performance or achievements expressed or implied in this presentation.
This presentation has been prepared by HENG. The information in this presentation has not been independently verified. No representation, warranty,
express or implied, is made as to, and no reliance should be placed on, the fairness, accuracy, completeness or correctness of the information and
opinions in this presentation. None of HENG or any of its agents or advisers, or any of their respective affiliates, advisers, or representatives, shall have
any liability (in negligence or otherwise) for any loss howsoever arising from any use of this presentation or its contents or otherwise arising in connection
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This presentation is made, furnished, and distributed for information purposes only. No part of this presentation shall be relied upon directly or indirectly for
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This presentation and all other information, materials or documents provided in connection therewith, shall not, either in whole or in part, be reproduced,
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Agenda 1 Business Strategy
for
Opportunity day
Full Year 2022
2 Financial Performance
 4

1 Business Strategy
Financial Products 5
Awards 6

Strengthening confidence in sustainable business growth

Corporate Governance Report Of Thai Listed Companies

Full mark 5 medals : Excellent rating

2021 Annual General Shareholders’ Meeting Assessment

100 full score : Excellent rating

Certified of Thailand's Private Sector Collective Action

Coalition Against Corruption
INTERNATIONAL FINANCE AWARDS 2022 7

IFM Awards 2022

Best Hire Purchase Company
for Second-Hand Cars
Strategy : Expand branch network to areas with high growth potential 8

1 Expand branch network to areas with high growth potential 2 Sustainably expand the portfolio of loan receivables

Achieve 100%

NPL 3.1%
Achieve 100%
STRATEGY
3 Expand various loan products and services 4 Develop IT to support growth and increase competitiveness

On progress Digital Loan

Achieve 100% Mobile Application Software Increased customer base
Strategy : Expand branch network to areas with high growth potential 9

Branch
Pre-opening 40 branches
to reinforce our service capabilities,
starting from January 2023.
Strategy : Sustainably expand the portfolio of loan receivables 10

NPL

We are committed to enhancing

business sustainability through
Continuous development efforts and
effective risk management practices.
Strategy : Expand various loan products and services 11

Loan Portfolio 2020 Loan Portfolio 2022

Title Loan
1,988 Title Loan Hire Purchase
Hire Purchase
24% 4,635 6,733
5,895
71% 39% 56%
Strategy : Develop IT to support growth and increase competitiveness 12

We aim to enhance the security of personal information

in accordance with the ISO 27001 standard
ESG Materiality Topics & Sustainability Management
Environmental
• Electricity usage decreased from the pre-campaign
• Total water consumption from all areas decreasing
from the pre-campaign
• Fuel consumption slightly increased due to accelerate
the work to achieve the year-end performance goals
• Total non-hazardous waste directed to disposal by
recycling
• The amount of greenhouse gas emissions of the
company has decreased
Social
• Average training hours has increased from 2021
• The company has provided financial knowledge to
people in the community the program "Heng Ruay
Pang" via YouTube and Facebook of the company.
• Give the staff knowledge specially in regard to
sustainable development to follow the same
direction
Governance
• Improve policies to be in line with good corporate
governance guidelines and sustainable development
• Give shareholders the right to access information
that should be properly disclosed
• The company continue focuses on the importance of
good corporate governance to operate the business
of the company
ESG Materiality Topics & Sustainability Management 14
 15

2 Financial Performance
Financial Highlights
Loan Portfolio by Products Loan Portfolio by Collateral As of December 31,2022

Pickup
12,020.1 1.5%3.9%
Million: THB + 30.9% 3.3% Passenger cars
8,038.3
+ 3.0% 8,276.8 + 10.9% 9,180.5 3.9%
4,634.5 38.6% 3.3% Agricultural vehicles
1,368.9 17.0% 1,988.4 24.0% 2,917.5 31.8% 4.6%
Van
6,649.7 82.7% 5,895.1 71.2% 5,501.7 59.9% 6,732.5 56.0%
46.8% Truck
32.7%
2019 2020 2021 2022 Motorcycle
Land and building
Hire Purchase Title Loan Land and Building Personal Loan Nanofinance
Unsecured

Loan Portfolio Performance Asset Quality Ratio

4.3% 3.7% 3.4% 6.6%
3.0% 6.3% 5.9%
17.6% 18.5% 10.1% 10.2% 4.5%
5.0%
78.1% 77.8% 86.5% 86.8%
2.2% 1.9% 1.9%

2019 2020 2021 2022 2019 2020 2021 2022

Stage 1: Performing Stage 2: Under- performing Stage 3: Non-performing ECL to Total Loan Credit Cost
 Financial Highlights
Interest income categorized by products Yield on loans , Cost of funds and Spread
Million: THB
4Y CAGR(%): + 19.6% YoY (%): 26.5% 1,861.4
19.9% 17.8%
1,556.9 16.9% 17.6%
1,450.4 1,471.3 14.1% 13.1% 12.9% 13.8%
219.6 14.1%
367.4 25.3% 761.1 40.9%
479.3 32.6%

1,336.6 85.9%
1,033.2 71.2% 924.0 49.6%
825.9 56.2%
-4.7% -4.0% -3.8%
-5.8%

2019 2020 2021 2022 2019 2020 2021 2022

Hire Purchase Title Loan Land and Building Personal Loan Nanofinance Yield on loans Cost of funds Spread

Operating Expenses Net Profit

Million: THB Million: THB 21.5% 21.7%
54.2% 52.5% 60.0% 500 20.0% 22.0%
51.6%
2,000.0 48.4% 450
461.1
1,549.3
50.0%
400 17.0%
1,500.0
1,509.3 218.9
350
10.8%
1,191.5 1,204.0
40.0%
267.6 300 353.8 12.0%
212.2 184.8 230.1 30.0% 250 318.1
1,000.0
392.3 177.6 200 7.0%
182.0 20.0%
150 188.7
500.0
790.8 1,000.5 100 2.0%
714.8 710.3 10.0%
50
- 0.0% - -3.0%

2019 2020 2021 2022 2019 2020 2021 2022

SG&A ECL and Bad debts Loss on disposals of assets Cost of Funds Cost to Income Net Profit Net Profit Margin
Financial Highlights
Return on Equity (ROE) Debt to Equity Ratio

1.4x 1.4x 1.3x

9.4% 9.2% 14,000
8.5% 1.0x
6.2% 12,263.6 1.0x
12,000

10,000 9,701.9 0.0x

5,244.3
2019 2020 2021 2022 7,983.7 8,242.2
8,000
-1.0x
4,815.5
3,471.0
Return on Asset (ROA) 6,000
3,299.6

-2.0x

7.5% 4,000
7.2% 7,019.3
7.0%
4,886.4 -3.0x
4,684.1 4,771.2
2,000
6.3%

- -4.0x

2019 2020 2021 2022

2019 2020 2021 2022 Debt Equity D/E Ratio
Financial Highlights 19

As of Million: THB
Statements of financial position December 31, 2021 December 31, 2022
Total assets 9,701.9 12,263.6
Total liabilities 4,886.4 7,019.3
Total shareholders' equity 4,815.5 5,244.3
Share capital Registered 3,810.0 3,810.0
For the 12-month period ended
Statements of comprehensive income/
December 31, 2021 December 31, 2022
Cash flows statements
Total revenues 1,644.4 2,124.4
Net Profit 353.8 461.1
Earnings per share (THB/Share) 0.11 0.12
Net cash flows provided by (used in) operating activities (221.1) (2,021.5)
Net cash flows used in investing activities (39.7) (46.6)
Net cash flows provided by (used in) financing activities 736.0 1,717.2
Net increase in cash and cash equivalents 511.1 160.3
 Questions & Answers
INVESTOR RELATIONS
Website www.hengleasing.com
Tel 02-153-9587
E-Mail ir_heng@hengleasing.co.th

Heng Leasing and Capital Public Company Limited