withdraw cash and installment loans for purchasing a variety of products and services up to 48 months. Thus, the Company provides more channels to facilitate financial services to customers and reduce
to support more workloads and more units as well as rising depreciation and amortization expenses. Table 9: Administrative Expenses by Type of Expenses for the Three Months Period Ended 30 September
more fixed expenses. As the result, the change rate in total operating expenses is similar. In terms of the profit of the Company for Q1–2020, it has a lower change rate than the change rate in revenue
-19 pandemic, which resulted in more lockdowns and travel restrictions in several countries including Thailand, Malaysia and Indonesia – the Company’s major markets. In Thailand, despite the success in
of city shutdown measures both at home and abroad Which results in more economic activity to be carried out the indicators for private consumption have returned to the same level as the same period
period of 2019. This increase was mainly due to switching towards more cost-effective marketing channels. Administrative Expenses In the 3rd Quarter of 2018 and 2019, administration costs increased from
million credit cards, and 6.27 million member cards. The Company has active customers more than 2 million IDs, mainly from Bangkok 31%, and in up-country 69%. Covering networks nationwide, the Company has
to control the epidemic situation of COVID–19, causing many customers to change the method of work. As a result, the operation and delivery of the Company's projects were delayed more than usual. In Q2
property fund; (2) the advertisement must be made in print or electronic media; (3) presentation of the estimated return or the auto-redemption rate shall not be more prominent than other information