wrongdoing against a client’s assets by (1) using the client’s credit card to withdraw cash and spending the money for her own personal use, (2) replacing the client’s banking account contact information

the increase in user spending was due to the increase in marketing and promotional activities of mobile operators In addition, the Company had gross profit from digital content of THB 14.85 million

which reflected in sluggish spending in fast moving consumer goods (FMCG). Proportion of each market segment and growth is as shown in figure 2. Figure 2: MAT Jun 2017 RTD Fruit Juice Market Value

quarter but may be restrained by vulnerable and highly uncertain household income as well as elevated household debt. These factors are causing customers to be cautious on spending. Moreover, the tourism

generated a slight increase in service revenue (+2.1% YoY and 1.4% QoQ). Our mobile business was flat both YoY and QoQ driven by soft consumer spending offset by our movement to retain market share and build

COMPANY LIMITED THAI SUMMIT FINANCE AND SECURITIES COMPANY LIMITED THAI FUJI FINANCE AND SECURITIES COMPANY LIMITED THAIMEX FINANCE AND SECURITIES PUBLIC COMPANY LIMITED THAI RUNG REUNG FINANCE AND

slowdown in domestic consumption which reflected in sluggish spending in fast moving consumer goods (FMCG). Proportion of each market segment and growth is as shown in figure 2 (Source: Nielsen). Figure 2

-Vitt contribution in the 2H’20. Selling and administrative expenses (SG&A) level of spending was at 22.7% of sales, slightly lower YoY. Our actions were to focus on core products and defend profit with a

-19 outbreak and to alleviate economic downturn. Although, many countries have gradually relaxed the lockdown measures, and businesses resumed their operations, consumer spending is still not yet fully

remained concentrated on smaller packages as consumers affected by sluggish economy are seeking for value-for-money. Therefore, the industry ARPU remained under pressure amidst weak spending environment