shareholders’ equity. (4) Low cost source of funds on loan from financial institution upon the Company’s capital base is adequate for loan support due to interest rate is lower than expected investment return

gross profit margin and long-term shareholders’ equity. (4) Low cost source of funds on loan from financial institution upon the Company’s capital base is adequate for loan support due to interest rate is

control to increase gross profit margin and long-term shareholders’ equity. (4) Low cost source of funds on loan from financial institution upon the Company’s capital base is adequate for loan support due

help expand the customer base and create ecological system. FSMART will have a complete database to contribute more valuable things in the future.

baht or 1% y-y but increased 1% q-q. However, the Company has focused on customer base expansion by increasing credit card benefits. For example, “AEON Gift 2020” campaign, AEON credit cardholders

stagnated for 85% since the end of last year. Nevertheless, the Company’s business expansion to the Philippines helps extend the customer base and diversify its revenue streams which mitigate the risk of

period last year. For the economic stability, headline inflation decelerated from the last quarter as result of this year’s improved supply and high base effect from last year’s drought. EASTERN WATER

has planed to generate more fee base incomes in the future. Expenses In the nine-month period, the consolidated expenses that consisted of operating and administrative expense, bad debt and doubtful

base has contributed to a higher overall SG&A cost up 4% versus 2016 but as the number of full time employees has reduced SG&A has started to trend lower (as demonstrated in the fourth quarter). While

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