expanding more service channels providing more convenience to customers and this also saved the Company’s operation cost. For the Cardless transactions currently accounted for 31% of total personal loan sales
comparing to 2018 due to higher selling price of chicken parts for domestic market. Financial Cost Financial costs of the Group include the interest paid to financial institutions and related persons. The
restructuring and cost management as well as reserve requirements to comply with Liquidity Coverage Ratio (LCR) guidelines under Basel III. In terms of loan quality, the ratio of gross non-performing loan (NPL
income - 0.0% - 0.0% 0.0% Advertising income 13 0.6% 12 0.4% -7.7% Total revenue from core business (4 items) 2,245 100.0% 3,105 100.0% 38.3% Cost of services (1,674) -74.6% (2,373) -76.4% 41.8% Gross
income 31.38 26.23 5.15 19.6% Total revenue 3,407.57 3,226.05 181.52 5.6% Cost of goods sold & service 2,893.97 2,773.60 120.37 4.3% Selling expenses 66.05 67.99 -1.94 -2.9% Administrative expenses 106.14
because in Q3-2020, an allowance for expected credit losses on long-term receivables was recorded and there was also a directors' bonuses expense, which has been approved at the shareholders' meeting on
lease income 2,567 2,504 (3) 45 2,564 2,549 15 1% Deferred income (expense) tax (87) 22 1 - (86) 22 (108) (491%) Profit (Loss) before the effects of foreign exchange and lease income 2,480 2,526 (2) 45
190 130 127 50% 555 383 45% Add: Non Operational/Extraordinary income/(expense) (6) 167 (1) 706% 119 87 36% Acquisition cost and pre-operative expense, (6) (7) (2) 189% (20) (7) 181% Gain on Bargain
from core business (4 items) 714.91 100.0% 832.82 100.0% 842.14 100.0% 1.1% 17.8% Cost of services (535.72) -74.9% (658.51) -79.1% (658.33) -78.2% 0.0% 22.9% Gross profit 179.19 25.1% 174.31 20.9% 183.81
used in Value Measurement The price negotiation between the buyer and seller is referred to the appraisal of Sasirachada Co., Ltd. which determines the project value by using the cost approach and income