discussion and analysis /Page 2 the roll out of new sales channels and services in Thailand to facilitate the customers and continuously drive sales. The initiatives are as follow: • 24-Hours shopping on E
driven by lower industry-wide Integrated PET spreads. Going forward, management will focus on cost management initiatives, drive operational excellence, and working capital optimization in parallel with
cardless cashing totally online shopping increased around 2 times and cardless cashing share more than 30% of total personal loans. Moreover, our revenue from bad debt recovery growing by 11% y-y. Details of
100% 0% 2,491 1,823 -27% Income tax expenses 241 152 286 88% 19% 496 439 -12% Net profit for the period 942 530 966 82% 3% 1,929 1,497 -22% Earning Per Share (Baht per share) 3.77 2.12 3.87 82% 3% 7.72
1,184 17% 12% 3,975 3,690 -7% Earning Per Share (Baht per share) 4.22 4.04 4.74 17% 12% 15.9 14.76 -7% 3 Sales and Revenues Structure for the fiscal year of 2020. - Credit Card For the fiscal year 2020
5,081 8% Income tax expenses 231 5% 967 1,000 3% 877 947 8% Net profit for the period 911 12% 3,690 3,553 -4% 3,811 4,133 8% Earnings Per Share (Baht per share) 3.64 12% 14.76 14.21 -4% 15.24 16.53 8% 3
% 524 472 -10% Net profit for the period 904 33% 1,828 2,018 10% 2,322 2,037 -12% Earnings Per Share (Baht per share) 3.61 33% 7.31 8.07 10% 9.29 8.15 -12% 3 Sales and Revenues Structure for the first
19% 3,997 3,838 -4% Income tax expenses 286 35% 768 815 6% 731 728 -0.4% Net profit for the period 1,104 35% 2,643 3,122 18% 3,266 3,109 -5% Earnings Per Share (Baht per share) 4.42 35% 10.57 12.49 18
of 530 million baht or 2.12 baht per share, decreasing by 46% y-y. The financial performance can be summarized as follows. Overview The Thai economy in the first quarter of 2020 contracted by 1.8