of loans Sept 30, 2017 Dec 31, 2016 Change Baht million % Baht million % (%) Retail Lending 124,461 67.6 123,716 70.1 0.6 Hire Purchase 105,004 57.0 113,049 64.1 (7.1) Personal loan 5,509 3.0 4,240 2.4
margins. • Our portfolio serving end markets of food, beverages, personal care and hygiene were positively influenced during pandemic. We are also pleasantly surprised that our material which goes into
expanding more online service channels to customers and reduced the Company’s operation cost. As a result, the Cardless transactions currently accounted for 91% of total personal loan sales. 4 - Hire Purchase
1/2 L-WAVE ENT 20/2020 15 May 2020 Subject : Management’s Discussion and Analysis for the first quarter 2020 operating results with variation greater than 20% compared to the same period of 2019 To
period ended Change Note: 1/ Energy Drinks and Sport Drinks 2/ Drinking Water, 3-in-1 Coffee and RTD Coffee Domestic sales were THB 1,984 million, up by THB 10 million or 0.5% due to an increase in sales
from the change in defined benefit plan according to KBank’s employment policy which is not related to labor law, together with rising marketing expenses, our cost-to-income ratio stood at 45.02 percent
& Calpis grew 2.7% YoY. Total Personal care continued its momentum with 11.5% growth YoY, with 42.8% growth in CLM markets. International business grew 1.5% at constant FX rate, driven by Myanmar growth
and adjustment of unsecured personal loan providers after measures for controlling credit card and personal loan under supervision of the Bank of Thailand came into force September 1, 2017. Focus should
expect the improvement after the pandemic of COVID-19 ends. Table 1 : Sales Revenue by Product Line for the Three Months ended 31 March (3M YoY) Sales by geography Consolidated financial statements Change