regulatory concern, both global & national level Responding to climate change focus Growing institutional and retail investors interest Shifting consumer preferences and embedding in business increasing global

as the rise of e-commerce and growing global supply chains, both of which limited the pricing power of domestic firms. As a result, Thailand’s nominal GDP increased by 6.3 percent, leveling at Baht

asset quality management for its loan portfolio and focus on expanding into profitable segment with better asset quality taking into careful considerations the economic conditions. As such, the overall

mainly increased from the existing customers expanding the services. However, when compared to the same period of prior year, it was decreased by THB 19.3 million or 13.3%. And for the six-month period, it

for all products. These measures would be effective in the first quarter of 2019. The growth of credit card business and personal loan business in Thailand was still growing strongly despite the

continued to see limited support, after growing by 2.30 percent in the second quarter. The Thai economy did show some signs of strength in the third quarter, due mostly to the low base effect of the same

in building recurring revenue, with the recurring revenue from HR Solutions growing by 9.78mb or 11.7% and recurring revenue from Financial Solutions increasing by 2.22mb or 16.0% . However, the growth

growing by 16.30mb or 9.7% and recurring revenue from Financial Solutions increasing by 4.77mb or 16.5% . However, the growth in recurring revenue was partially offset by the reduction in non-recurring

growing by 18.46mb or 11.1% and recurring revenue from Financial Solutions increasing by 4.82mb or 16.7% . However, the growth in recurring revenue was partially offset by the reduction in non-recurring

revenue. Gross Profit As a result of cost of services growing at a slower rate than the growth in revenue, we achieved a gross profit of 85.50mb (Q1 2019: 59.13mb) , an increase of 26.37mb or 44.6% . W e h