income decreased mainly due to lower gains on investments and net fees and service income. The main reason for the decrease in net fees and service income was the change in recognition of fee income from

Baht, decline in investment money in affiliate company as amount of 20.45 Million Baht and decrease in deferred income tax of 20.41 Million Baht Source of Investment Liabilities  As at June 30, 2018 the

trading parties. When compared to Q3/2018, revenue declined 13% YoY, predominantly due to the decline in revenue from petroleum related businesses following the lower selling price per unit, while total

decrease resulted from closing the branch of IT Junction due to the operating result was unreachable the target. This might help to reduce the loss the non- performing branches in the future. 4. Insurance

employment contract to customer on project and UWC has more invested with affiliate company of 192.47 Million Baht, decline in depreciation charge of 134.09 Million Baht, subsidiary (UWC) decrease in

well as the decline in global oil prices; these circumstances did not decrease the price of consumer goods in the country and the public were cautious of spending. Consumption of goods and services have

decline in performance compared to the previous year. However when compared to the previous quarter, its performance highly improved from the higher marketing margin, together with the lower SG&A expenses

% from 32.14 in Quarter 2 2018 to 31.36 in Quarter 2 2019. Nevertheless, the Company could maintain the growth rate of revenue of 7%. The revenue in European zones decrease Baht 17 million or 21

THB 1.09 million or -11.28% YoY. In 9M2022, administrative expenses were THB 25.84 million, decreased by THB 4.28 million or -14.21% YoY mainly due to lower credit losses in line with the decrease in

reason for the decline in user spending was the inflationary situation of the country's economy, causing the consumer purchasing power to decrease, together with the concerns of users about future