%, personal loan income at 6%, bad debt recovery at 21% as well as the growth of subsidiaries in Thailand and overseas by 15%. This is because the Company has continued launching new marketing campaigns

because of the Company had more account payables.  Net cash flows used in investing activities increased since the Company bought machines and equipment as needs.  No net cash flows used in financing

mainly resulted from short-term loan increased Baht 7.8 million or 21.3 percent while long- term loan was payment due by one year also increased Baht 32.8 million. This is because during the year, the

the same period of the previous year. This was because revenues from high gross profit margin increase such as personal loan business. Selling and Administrative Expenses Analysis and Operating Profit

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

, regardless lower rental income from Suntowers due to 30-year leasehold right sold to SPRIME in January 2019, commercial business still reported higher revenue from commercial business because of the commercial

consider, allocate, and offer for sale at one time or divided into partly offering as appropriate. Because the said capital increase procedure does not comply with the regulations of the SEC, therefore, the

purchase of ordinary shares of WICE SG that it is a direct benefit to the company because WICE SG has the potential to grow. Can enhance the company's business potential in the future and have an opinion on

connected transaction, because such directors demonstrate relationships with JMART which may result in their being considered as interested directors in connection with the agenda item to consider the

258.25 million respectively, equivalent to a 37.37% decrease. Cost of goods sold to sales revenue ratio slightly increased from 33.00% to 35.42% because of the depreciation costs increased 23.84% and