1,848per ton in 2017. Management’s Discussion and Analysis (MD&A) for year 2017 2 As the result of EGM holding on 30 August 2017, the shareholders voted down the Debt Equity conversion. On 13 November 2017

cash margin by Baht 1,848per ton in 2017. Management’s Discussion and Analysis (MD&A) for year 2017 (Revised) 2 As the result of EGM holding on 30 August 2017, the shareholders voted down the Debt Equity

September 15, 2019. The purpose to use the funds in this section is to reserve for debt repayment and/or use as capital to conduct business and expand investment in the future. However, the time to receive

%, 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

majority of other incomes came from bad debt recovery of 500 million baht and gain on sales of written-off accounts receivable of 346 million baht. Moreover, the income for the fiscal year 2016 of company’s

1 6 , basically from the net profit of the period after dividend payment. Interest Bearing Debt total 7,527.97 million Baht Long Term Loan Due in 1 Year 11% Long Term Loan 32% Debentures 32% Short

% q-q and other incomes in bad debt recovery increased by 38% y-y and 10% q-q as well as revenue growth from overseas subsidiaries by 77% y-y. The revenues for the Company were 5,139 million baht

the result of continue growth in core business revenues that increased by 10% y-y, especially in personal loan and hire purchase products as well as a strong growth revenue from bad debt recovery by 42

around US$2.2B in Mar21 and operating cash flow of US$201M in 1Q21, IVL is well positioned. During the quarter, net debt reduced by US$148M with improved performance. Our net operating debt to equity has

curb the pandemic. From the situation, unemployment rate in the second quarter of 2021 was at 1.89% and household debt showed high level. As of August 31, 2021, the Company’s total cards reached 9.29