or 3% from last year. The revenues growth came from an increase in credit card income and bad debt recovery. As of May 31, 2017, The Company has active billings of 3.42 million accounts per month with

maintain the Net Debt to Equity Ratio of 3.25:1 according to the consolidated financial statements ending 30 June 2024;            Agenda item 2: Cancellation of the bond issuer’s duty to maintain the

pursuing debt collection respectively. The Company has been expanding more online service channels to customers and reduced the Company’s operation cost. As a result, the Cardless transactions currently

2,982.00 107.71 3.6 Interest bearing debt to equity ratio 0.83 0.82 Debt to equity ratio 0.99 0.99 (million) As at June 30, 2018 As at December 31, 2017 increase (decrease) 4 Assets As at June 30, 2018, the

faithfully, (Mr. Hiroaki Sano) Managing Director Financial Ratios Q2 2019 Q2 2018 Gross profit margin 20.7% 18.8% Net profit margin 14.3% 12.0% Debt to Equity ratio 0.10 0.10 Earnings per share 0.57 0.43 ROA

average Total Equity Yours faithfully, Mr. Hiroaki Sano Managing Director Financial Ratios Q3 2018 Q3 2017 Gross profit margin 20.2% 17.7% Net profit margin 11.9% 7.4% Debt to Equity ratio 0.14 0.12

% 11.9% Debt to Equity ratio 0.09 0.14 Earnings per share 0.90 0.53 ROA 19.6% 12.9% ROE 21.4% 13.5% Gross profit margin = Gross Profit (Total Sales – Costs of Sales) to Sales Net profit margin = Net Profit

restructured from short-term debts into long-term loan 5 years, resulted in better financial ratios i.e. Debt to Equity Ratio (D/E Ratio) at 0.39 and Current Ratio at 1.18 which were better than year 2016

19.55 million Baht, came from unappropriated retained. As of 30 June 2018, the Company had current ratio 7.76:1 times and Debt to Equity ratio equal to 0.10:1 times, compared to those of the same period

of THB 18,621 million. Debt to Equity Ratio (D/E) and Interest Bearing Debt to Equity Ratio represented at 1.59 and 1.32, respectively. Yours faithfully, Mr.Chamroon Chinthammit Chief Executive Officer