between store and customers. Therefore, the Company has sought a way to overcome this pain point by introducing ‘Index Chat to Shop’ via Line@ to enhance customer interaction with the Company’s staff

reduce risk of investing in large projects.) 2.2. Others, in the period of 2016 and 2017 amount of 46.0 million baht and 581.8 million baht respectively. An increase of 535.8 million baht, or 1,164.8

Company to invest in other projects and repay its obligation to reduce the Company’s financial burden. Please be informed accordingly. Sincerely yours, U City Public Company Limited

fixed interest rate from 2. 05 to 3. 01 percent per annum to reduce finance cost and risk management from floating interest rate. As a result, the Company has saved interest expense approximately by Baht

causing exports to reduce from the previous year. The sale of goods to foreign countries has been affected by the continuous appreciation of the Thai baht. Domestic consumption remained stable. Although the

million and Baht 6 million, respectively, which reduce by Baht 1 million from 2018 because the Company could manage and obtain cheaper source of finance than the prior period. Net Profit In the three-month

statements 31 December 2019 31 December 2018 Inventories 1,372 1,335 Reduce cost to net realisable value (393) (367) Inventories - net 979 968 5 As at 31 December 2019 and 31 December 2018, the Group had the

collection period was 68 days decreased from 88 days of the previous year. Inventory period decreased from 168 days in 2016 to 116 days in 2017. The strengthened baht led the company to reduce the impact from

. In addition, the Company also partners with retail stores to provide more installment loans. The Company provides more channels to facilitate financial services to customers and reduce Company’s

decreasing from the expense management of domestic customer by reduce some distribution channels that could not well generate income to other distribution channels instead. In this regard, the Company could