opportunity for investors to select products and services suitable for their personal needs.   The SEC is therefore proposing the use of single form to reduce the burdens on investors and intermediaries

the same period of the previous year. This was because revenues from high gross profit margin increase such as personal loan business. Selling and Administrative Expenses Analysis and Operating Profit

increase new target group of customers, higher personal expense for support sales growth as well as oversea business expansion. - Bad debt and Doubtful accounts The consolidated bad debts and doubtful

personal care revenues recorded at THB 678 million, an increase of 0.5% YoY). The growth driver were the continued success of Babi Mild from the momentum of Babi Mild Sweet Almond range launched in Q2’19 and

increase of number of Thai and foreign tourists. As a result, the service sector and private consumption have expanded. Private investment has improved while Public expenditure shrink from regular government

, along with increasing service channels to accommodate more diverse needs such as ‘ Shop4U’ ( a personal assistant service that enables customers to shop for products and services without having to visit

debt collection and other services in the third quarter of 2018 was 225.8 million baht or increase 46.8%. For 9-months end, an income from debt collection and other services was 1,881.6 million baht or

increase of 76 million baht or 4% from last year. This was as a result of an increase in marketing expenses, increase in personal expense caused by increasing employment of the Company’s subsidiaries

recorded operating and administrative expenses of 2,018 million baht, increasing by 8% y-y. This is a result of promotion campaigns with Big C since the first quarter and increase in personal expense to

138.3 million baht, which was an increase from the 3rd quarter of 2017 at 40.0 percent. The Company’s net profit margin stood at 28.7 percent. An increase of net profit was a result of the Company has