expanding more online service channels to customers and reduced the Company’s operation cost. As a result, the Cardless transactions currently accounted for 30% of total personal loan sales. 52% 30% 5% 13
increase in sales, reduced cost of sales and expenses which contribute to net profit margin of 14.91% of total revenue, moving up to 13.50% year-on-year. In this regard, the net profit attributable to owners
independent director to participate in setting the agenda of board meetings. 5. Moving Forward 1. The board should demonstrate a thorough understanding of its responsibilities and leadership role in driving
independent director to participate in setting the agenda of board meetings. 5. Moving Forward 1. The board should demonstrate a thorough understanding of its responsibilities and leadership role in driving
Derivatives Act B.E.2546. The Bangkok South Criminal Court fined the accused of Baht 40,000. As the accused confessed, the fine was reduced by half to a fine of Baht 20,000. DV Act S.16 Criminal Complaint
period. The Criminal Court sentenced the accused to pay a fine of Baht 632,000. Since the accused pled guilty, the Court reduced the fines by half, resulting in a fine of Baht 286,000. SEC Act S.56 and
year as the Company has entered into the forward exchange contracts to reduce risks from the fluctuation of exchange rate. Financial Cost - 3 - In Quarter 1 2018 and 2019, the finance cost of the Company
equal to 264.4 million Baht or decrease 20.2 million Baht or 7.1% from the same period last year. The company reduced the rental space in the branches that had not achieved the target. Gross Profit The
exchange rate also decreased compared to the prior period since the company has planned to hedge into the forward contracts to reduce the risks from the fluctuation of exchange rate. Finance Cost In the
equity ratio was 1.38 times while the interest bearing debt to equity ratio was 0.86 times. Forward Looking For the 2nd quarter of 2020, it is well known that due to the impact of the Covid-19 situation