. Meanwhile, net interest income rose Baht 637 million or 2.62 percent. Net interest margin (NIM) was equal to 3.43 percent, higher than the previous quarter, which was better than the target of 3.2-3.4 percent
than last year. Credit Card receivable was 418,747 million baht, with the growth of 6% from the same period last year. For personal loan industry, the numbers of account of personal loan under
resulted an increase in 2 credit cards income at 4%, personal loan income at 2% and the growth of subsidiaries in Thailand and overseas. In addition, the Company has continued marketing campaigns throughout
2017 while gross profit margin contributed of 14.32% in 2018, decreased from 16.41% in 2017. GFPT Public Company Limited Management Discussion and Analysis for the Year 2018 Page 4 of 14 Other Income The
2018 while gross profit margin contributed of 14.35% in 2019, slightly increased from 14.32% in 2018. GFPT Public Company Limited Management Discussion and Analysis for the Year 2019 Page 4 of 14 Other
Floor plan credit as well as other financial products that will help to increase company's revenue in Q2/2018 along with the completeness of Personal Loans and Business Loans to support the competition in
result of an increase in total outstanding, especially personal loan product. However, the Company has continued improving efficiency in debt collection and credit judgment. - Finance Cost In the first
290.50 16% Revenue from Hospital Operations 383.47 331.95 16% 766.39 645.80 19% Cost of hospital operations 274.71 237.95 15% 532.07 464.83 14% Gross margin 108.76 94.00 16% 234.33 180.97 29% % Gross
% Revenue from Hospital Operations 427.04 390.17 9% 1,193.44 1,035.97 15% Cost of hospital operations 293.81 262.51 12% 825.87 727.34 14% Gross margin 133.24 127.66 4% 367.57 308.63 19% % Gross margin 31% 33