, the Company has been careful and selective during the current economic situation and can maintain 1.3% NPL ratio. As at the end of 3Q2020, the total number of “Boonterm Kiosk” was 130,065 kiosks. The

-purchase income were 1,029 million baht, reduced by 44 million baht or decreasing 4.1% y-y due to selective approach in credit judgement amid remaining high risky economic factors in this year. However, the

as freight costs and sales commissions, decreased in line with lower sales. Administrative expense decreased mainly because of an adjustment of staff costs to be in line with the company’s operating

amounting to Baht 75 million and increased by Baht 11 million YoY or 17% due to the increase in sale volume partly offset by reduction in freight cost due to reduction in fuel prices. 4. Administrative

since lower freight cost due to lower export volume comparing to 2Q2019. The consolidated SG&A expenses in 2Q2020 were 9. 89% of revenue from sales, increased from 7.62% in 2Q2019. The consolidated SG&A

Oxide platforms, we are now well on our way to make this our core platform for continuous growth in selective upstream & downstream integration over the next 5 to 10 years, similar to how we grew our

modification in a non-selective manner. 3.4 A CRA should disclose its policies and procedures that address the issuance of unsolicited credit ratings. 3.5 A CRA should disclose its policies and procedures for

that we can hear feedback from our targeted consumers before leveraging our mainstream operation. We targeted these launches in selective channels, especially e-commerce, sport venues, fitness centers

selective expansion of new service areas with due consideration to demand and return on investment. At the same time, we will also put focus on increasing capacity utilization in the existing coverage areas

, (iii) development of our high potential properties to become income generating assets and (iv) selective asset divestment of matured or strategically unaligned asset. So far, the Company has disposed of