the same period of previous year due to decreased in interest received from current investment. 2. Cost of sale , Profit margin In Q2/2018 the company had cost of sale Baht 92.40 million compare with

million in quarter 2 /2018, decreased from THB 31.46 million or 8.01%. The Net profit margin of Q2/ 2018 was 13.83% and 17.86% in Q2/ 2017. If no Don Muang Branch closure with assets write-off , the net

Baht 233.52 million, decreased from previous period since in 3Q17, the Company arranged big event named “FN Fair” at head office. Also, the third quarter is normally affected by seasonal and usually the

third quarter of 2018 equal to 2,995.3 million baht lower than the same period for last year at 74.7 million baht or an decreased ratio at 2.4 percent. The reason of an increasing are as following; 1. In

. Net Profit All in all, in Q3’18 the Company net profit was 318 million baht, versus net loss of 54 million baht in Q3’17 and decreased 23% QoQ. Page 7 of 7 Management Decision and Analysis Q3’18

profit margin of 29.8% which slightly decreased from the gross profit of THB 52,635 million or a gross profit margin of 29.9% in the year ended December 31, 2017, which was driven by the increase in

combination of such two companies’ income and the previous year income indicates that the income and cost are decreased but the gross profit is increased for 3.26 million baht due to the better Company

million at the end of 2019 to Bt5,160 million as of March 31, 2020; short-term debt as well as the long term loan decreased due to increased cash flow from operations; trade and other current payables

Company‘s net profit increase. The Company’s Interest Bearing Debt to Equity Ratio was 2.20 times decreased from the ending of 2019 which equal to 1.68 times. This was a result of debenture issuance on 5

Company’s interest expenses decreased by Baht 4.62 million from reduction in borrowing. In this quarter, the Company also received debt repayment from the securities business receivable and reversed the