who attend and grant the right vote, however shareholders who have conflict of interest in this issue are excluded from the vote. (3) Appoint the Independent Financial Advisor for an opinion on the
financial institution established under a specific law and treated as a financial institution under the Law on Loan Interest of Financial Institutions ; (3) Islamic Bank of Thailand; “ obligor ” means a
institution established under a specific law and treated as a financial institution under the Law on Loan Interest of Financial Institutions 2 ; 1 The Law on Financial Institutions means the Financial
& administrative expenses 66 119 78.6% EBITDA 59 90 51.9% Net profit from financial statement 37 54 47.6% Net profit (exc. Minority Interest) 37 53 42.3% Gross profit margin 53.2% 62.4% EBITDA margin 31.3% 31.1
% Interest income 100 - 100% 129 -22% 121 -17% Gain on disposal of assets - - - 309,034 -100% Revenue from franchise - - - 1,836 -100% Other income 3,909 4,306 -9% 3,503 12% 13,328 -71% Total revenues 538,364
) -0.3% (3.78) -0.6% 99.0% 60.2% Interest expenses (8.78) -1.1% (6.54) -0.9% (4.47) -0.7% -31.7% -49.1% Profit before income tax expenses 165.18 20.5% 140.81 19.3% 113.00 17.0% -19.8% -31.6% Income tax
. - Other income was Baht 467.97 million, a decrease of Baht 21.40 million or down by 4.37% in relation to the lower interest income. 2. Gross profit from product sales and service income (Home Service) was
) -0.3% -47.6% -10.4% Interest expenses (7.13) -0.9% (4.47) -0.7% (5.64) -0.8% 26.2% -20.9% Profit before income tax expenses 162.32 20.8% 113.00 17.0% 137.17 18.7% 21.4% -15.5% Income tax expense (18.59
addition, the Bank of Thailand cut the ceiling rates for interest rates on credit card from 18% to 16% per annum and personal loan from 28% to 25% per annum, effective from August 1, 2020 onwards. On the
rates of interest rates on credit card from 18% to 16% per annum and personal loan from 28% to 25% per annum, effective from August 1, 2020 onward. However, a change of customer behavior to be more