, along with increasing service channels to accommodate more diverse needs such as ‘ Shop4U’ ( a personal assistant service that enables customers to shop for products and services without having to visit
million cards, has grown by 1% more than last year. Credit Card receivable was 394,123 million baht, with the growth of 9% from the same period last year. For personal loan industry, the numbers of account
48.3% from 9M/2018, mainly due to the increase in both revenue from sale of goods and revenue from rental and rendering of services, higher gross profit margin from sale of goods, decreased percentage of
will fully focus on international expansion across the ASEAN market. This will enable MACO to leverage PlanB’s platform, contents, and secure minimum guarantee. Moreover, the integration efforts between
(days) 10 10 8 Profitability Ratio Gross Profit Margin 11 (%) 12.17 14.99 16.41 Operating Profit Margin 12 (%) 8.00 11.74 12.12 GFPT Public Company Limited Management Discussion and Analysis for the Year
businesses since we focus on expanding customer base with business expertise • Overall gross profit margin increased from 9.8% to 11.3% amount Baht 45 million. 2019 2018 Change % Change Revenue 1,839 1,673 167
Financial Ratio 1Q21 FY21 1Q22 Net Profit Margin (%) 22.8% 17.1% 20.3% Interest Coverage ratio (Times) 4.2 3.6 4.3 Allowance for Expected Credit Loss/ Total Receivables (%) 12.8% 12.0% 11.6% NPL Coverage
measures, particularly those involving consumer protection and control of credit card and personal loans, together with a drop in credit card interest rates – all of these issues are likely to influence
capital loans from businesses including SMEs – as well as credit card and personal loans. Meanwhile, deposits rose, especially at large banks. It is expected that new loans should increase along with
prudent credit policy which must be consistent with economic circumstances, in order to maintain overall portfolio quality of the three major loan products, i.e., K-Home Loan, K-Credit Card and K-Personal