been expanding more online service channels to customers and reduced the Company’s operation cost. As a result, the Cardless transactions currently accounted for 95% of total personal loan sales which

, decreased by 63% y-y respectively. The Company has been expanding more online service channels to customers and reduced the Company’s operation cost such as the number of ATMs machine and operational areas in

due to the growth of loan portfolio specially the credit card business. Moreover, the operating cost has been managed with higher efficiency. 5 2. Financial Status Statement of Financial Position 28

, reduced by 94 million baht, or 4% from the same quarter of previous year. The income from loans has 46% proportion of total revenues. However, the Company has been expanding more online service channels to

costs to support the expansion of the team according to the number and scope of services that have increased. The mentioned additional services have been made available since June 2023 and clearly began

, the approvals of such matters are conditional upon one another, if any of the said matters is disapproved, the other matters that have been approved earlier shall be deemed to be cancelled and no other

GFPT Public Company Limited Management Discussion and Analysis for the Year 2018 Page 1 of 14 Management Discussion and Analysis This MD&A report has been prepared based on the consolidated of GFPT

the monetary policy, at the meeting on December 24, 2019, the Bank of Thailand (BOT) revised the inflation target from a point target of 2.5% with a band of +/-1.5% which has been set since 2015 to a

GFPT Public Company Limited Interim Management Discussion and Analysis for the 3rd Quarter 2017 Page 1 of 13 Management Discussion and Analysis This interim MD&A report has been prepared based on the

and Exchange Commission (SEC). An English version of the MD&A has been prepared from the Thai version. In the event of a conflict or a difference in interpretation between the two languages, the Thai