equipment expenses by 47% y-y, personal expenses by 17% y-y and marketing expense by 2% y-y. The Company’s efficient control of operating expenses was down from 42% of total revenues to 37% in the first
24% from the fourth quarter last year. An increase in net profit mainly due to an increase in credit card, personal loan and bad debt recovery income as well as the Company can control bad debt and
maintained effective operating cost control with cost to income ratio at 37% of total revenues. Considering the Company’s separate financial statement, the operating and administrative expenses as a percentage
, decreasing by 8% y-y. However, the Company still maintained effective operating cost control with cost to income ratio at 39% of total revenues. Considering the Company’s separate financial statement, the
decelerated of marketing activities as well as a decrease in space of property expenses. However, the Company still maintained effective operating cost control with cost to income ratio at 38% of total revenues
maintained effective operating cost control with cost to income ratio at 38% of total revenues. 5 Considering the Company’s separate financial statement, the operating and administrative expenses as a
disease prevention and control measures. However, Thailand still has a risk of a new wave of COVID-19 epidemic and a conflict of Russia-Ukraine in the early of March, 2022 that surged in oil prices and the
assets 9. Property, plant and equipment 10. Intangible assets 11. Other assets Total assets Liabilities and shareholders’ equity (Unit:Baht) Consolidated The Company only ( 20..) ( 20..) (20..) (20