was more difficult and varied than the previous year which effected higher cost. Therefore, the proportion of cost decreasing is less than the proportion of revenue decreasing. 6. Cost of goods sold
quarter of 2019 decreased by Baht 86 million or 70% decrease compared to the same period of 2018. This expense varied with the operating results (excluding share of profit from investments in associates) of
1/3 L-WAVE ENT 19/2019 14 August 2019 Subject : Management’s Discussion and Analysis for the six-month period ending 30 June 2019 operating results that varied more than 20% compared to the same
1/3 L-WAVE ENT 34/2020 7 August 2020 Subject : Management’s Discussion and Analysis for the six-month period ending 30 June 2020 operating results that varied more than 20% compared to the same
of Thailand cut the ceiling rates of interest rates on credit card from 18% to 16% per annum and personal loan from 28% to 25% per annum, effective from August 1, 2020 onwards. On the other hand, our
service (e-KYC) Expanding 2 new businesses: Personal Loan/Nano Finance and the service station for charging/replacing battery for electric motorcycle The company emphasizes the efficiency of Boonterm
increased by 9% y-y, especially in personal loan and hire purchase products as well as continued growth from bad debt recovery by 33% y-y. The revenue from overseas subsidiaries grew by 60% y-y as a result of
) Expanding to 2 new businesses, namely Personal Loan / Nano Finance Business and the payment system for member stores (Merchant Network) 6 Forth Smart Service Public Company Limited (FSMART) 1Q19 Management
2020. At the present, Forth Smart Trading Co., Ltd., a subsidiary of the Company, has already received a license from the Ministry of Finance through the Bank of Thailand to do personal loan, nano
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