receivable 3 month’s overdue or non-performing loan ratio was 2.67%, increased from 2.35% at the end of last year. The Company could managed account receivable overdue more than 3 months. The coverage ratio of
the fact that the Company managed to effectively control finance expense by repayment of short-term borrowings which had high interest costs such as factoring and promissory notes. Baht Million 9M/60 9M
from our subsidiary, the Special Purpose Vehicle project (SPV) and well-managed funding cost. However, finance cost in the third quarter of 2018 accounted for 10%. The average funding cost decreased from
that the Company managed to properly slash sales expenses from the previous year to be in parallel with the plunge in sales revenue. Nevertheless, some of the sales expenses did not adjust promptly and
10.31425 billion THB, increasing 10.46% and 24.04% from 2018 respectively. The financial liquidity has efficiently been managed, therefore, the interest bearing debt to equity ratio and the debt to equity
services from TigerSoft, HUMAN managed to slightly lower cost of sales and services. The overall growth in cost of sales and services was in line with the 29.3% growth in sales and services revenue. Gross
% compared to the same period of last year. That show the Company managed to properly slash sales expenses from the previous year to be in response to decline in sales revenue and the impact from the
debt recovery and total portfolio and a strong growth of both domestic and overseas subsidiaries. In addition, the Company efficiently managed the funding cost. 2. Financial Status Total Assets As of
representing 7% of total company customers. The Company and subsidiaries have managed liquidity risk of operating cash flow under the COVID-19 situation with soft loan facilities of 5 billion baht from