million (-12.88%) and a decrease in non-current liabilities of THB 7.51 million (-4.27%). A decrease in current liabilities of THB 277.76 million was mainly due to a reduction in overdrafts, short- term

Baht which was lower than the same period last year 30% due to the reduction of rental and service revenues. Service and Administrative Expenses The Company had service and administrative expenses for

million in Q1/2019 whereas there was no such transaction in Q1/2020. And there was an increase in reduction cost of inventory to net realizable value amounting of Baht 1.5 million in Q1/2020 compared to

baht or 9% y-y. In the third quarter of 2021, loans revenue was 2,597 million baht, a decrease of 18 million baht or 1% y-y but increase 0.4% q-q, mainly from a reduction in interest rate ceiling for

to: • Decrease in financial cost of THB 17 Million consequent to debt reduction programme. • Net gain from exchange rate of THB 71 Million resulting from the strengthen in Thai Baht, whilst last year

in 2017, primarily due to improvement of our operating profit margin and significant reduction of financing cost resulting from the repayment of loan after IPO. • NNP margin improved to 9.3% in 2017

or 28.95% as a result of reduction in premium ceded to reinsurers. 3. Net investment revenues and other income in this year compared to last year was 45.81 and 35.19 million baht respectively

service by 44.7% from THB 13.2 million to THB 19.1 million. Profit before tax increased by 33.0% from THB 40.3 million to THB 53.7 million, mainly due to an increase in gross profit as well as a reduction

quarter of 2018 by Baht 54.55 million, or 768.51% due to reduction of sales. Please be informed accordingly. Sincerely yours, ( Mr. Chotiwit Taechaubol ) Chief Executive Officer

expenses down 4% Y-O-Y or Baht 8.2 million mainly from the effectiveness of all SG&A expenses controls and the reduction of revenue -related variable costs despite an increase of Baht 2.5 million in pre