% (2,766.3) (3,674.1) 32.8% Gross profit 496.5 463.7 464.1 0.1% (6.5%) 1,401.5 1,399.4 (0.1%) Net gain (loss) on exchange rate 83.6 86.7 113.7 31.1% 36.0% 169.6 195.8 15.4% Gain (loss) on forward contracts 6.0

) (1,174.0) (1,350.7) (1,370.2) 19.5 1.4% (3,808.0) (5,044.3) 1,236.3 32.5% Gross profit 471.6 463.7 464.1 473.3 9.2 2.0% 1,918.9 1,872.7 (46.2) (2.4%) Net gain (loss) on exchange rate (4.6) 86.7 113.7 (142.3

398.2 13.8% (5.6%) 887.7 748.2 (15.7%) Net gain on exchange rate 62.7 94.5 16.4 (82.6%) (73.8%) 45.3 110.9 144.8% Gain (loss) on forward contracts 0.1 16.7 (4.9) N.A. N.A. (1.4) 11.9 N.A. Other income

highest record for the third consecutive year, in terms of the cash collection of 3,204 million Baht, increase which was a result of the efficiency of collecting and the potential of the debt that the

 Profitability Ratios The gross margin was 25.50% and the net profit margin (%) was 19.42%  Performance Ratio The return on assets (8.74) indicates that the company can not use the asset efficiency. To achieve

is 0.58 times.  Profitability Ratios With a gross margin of 26.50 % and a net profit margin (11.49) %  Performance Ratio From the asset yield percentage (3.51), the company can not use the efficiency

the net profit margin (10.34)  Performance Ratio The return on assets (5.84) indicates that the company can not use the asset efficiency. To achieve the target revenue.  Financial ratio analysis. From

11.0% YoY  Net profit was Bt441mn, increasing 5.0% YoY  Total usage amount was Bt31,538mn, increasing 20.9% YoY  Total average number of money transfer transactions per day was 27,330 transactions

the company was able to utilize the deferred tax asset, which was non-cash item. Net Profit Reported net profit of the company for the period of Q3’2018-2019 was Baht 422 million, rose by Baht 130

2019 in order to enhance corporate efficiency and growth resulting in favourable operating results by achieving 12% gross profit margin in Q1-2020. UWC determined to continuously improve its strategic