factors totally at the amount of 11,775 million baht. The Group has elected to recognize the cumulative effect of initially adopting of TFRS 9 and TFRS 16 as an adjustment to the beginning balance of
cardless cashing totally online shopping increased around 2 times and cardless cashing share more than 30% of total personal loans. Moreover, our revenue from bad debt recovery growing by 11% y-y. Details of
baht or 3% from 74,271 million baht at the end of fiscal year 2019. There were both short-term and long-term borrowings totally 65,310 million baht, decreasing by 6% from the end of last year. The
previous year. There were both short-term and long-term borrowings totally 62,709 million baht, decreasing by 10% from the end of last year. The portion of long-term borrowings was 45,335 million baht or
previous year. There were both short-term and long-term borrowings totally 62,160 million baht, decreasing by 1% from the end of last year. The portion of long-term borrowings was 47,241 million baht or
-term and long-term borrowings totally 65,418 million baht, increasing by 4% from the end of last year. The portion of long-term borrowings was 35,357 million baht or represented 54% of total borrowings
million baht or 2% from 70,205 million baht at the end of previous year. There were both short-term and long-term borrowings totally 66,362 million baht, increasing by 1% from the end of last year. The
last fiscal year. There were both short-term and long-term borrowings totally 68,807 million baht, increasing by 5% from the end of last year. The portion of long-term borrowings was 40,549 million baht