) 26% 15% (16,745) (19,205) 15% Operating profit 9,202 11,594 9,248 0.5% -20% 40,105 41,009 2.2% Net foreign exchange gain (loss) 129 (44) 16 -88% -136% 119 308 160% Other income (expense) 118 127 234 99

% Finance costs (25.1) (34.1) (35.7) 4.7% 42.2% (51.4) (69.8) 35.8% Profit before income tax 235.2 388.9 388.3 (0.2%) 65.1% 883.5 777.2 (12.0%) Tax income (expenses) 14.6 (28.6) (21.8) (23.8%) N.A. (

/2019 ended September 30, 2019 of the Company and its subsidiaries as shown below: (Unit: Thousand Baht) Revenue Gross profit Selling Admin Net profit Q3/18 249,407 89,092 21,509 18,502 32,736 Q3/19

Finance Cost 20.73 26.69 (22.33) Net Profit 192.09 129.08 48.81 (Unit : Million Baht) Financial statements in which equity method is applied 2019 2018 % Change Sales and Service Income 2,055.48 1,892.88

income from short-term investments decreased. As the growth rate of total revenue was higher than the growth rate of total expenses, then the Net profit attributable to Equity holders of the Company in Q3

(25.3)% (3.1)% Impairment loss of loans and debt securities 5,078 2,765 7,322 83.7% (30.6)% Operating profit before tax 11,348 9,965 11,621 13.9% (2.3)% Income tax expenses 2,225 1,767 2,522 25.9% (11.8

software developers, interest income, dividend income, gain from sale of fixed assets and gain on investment. In Table 2 , HUMAN‘s revenue structure comprise of 2 business units , HR service and Financial

371.19 2.18 272.02 1.58 Profit before Financial Costs and Income Taxes 1,316.82 7.88 1,960.19 11.51 2,051.61 11.90 Financial Costs (123.26) (0.74) (98.03) (0.57) (74.36) (0.43) Income Tax Revenue (Expenses

high proportion of fixed cost so they have a great impact on the net profit for the whole group. However, since the company in the Philippines still do not have enough order to optimize production, the

-related fees. The Bank’s operating expenses were Baht 11.9 billion, a decrease of 1.3 percent, with an expenses to operating income ratio of 41.9 percent. Net profit (attributable to the Bank) for the third