allowance for doubtful accounts in accordance with the Company's accounting policies. Jay Mart Group has been growing and expanding the business which also effecting for the future growth as well as
business growth, while flat 0.3% QoQ from higher SG&A in line with growing top line. EBITDA margin was at 53%, improving YoY from continual focus in profitable revenue, effective cost management, and
years. 2) Service & Administrative expenses was Bt61.36mn, representing 7.2% of total revenues from core business, decreasing 7.9% YoY, due to effective cost control and lower service & administrative
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
pursuing debt collection respectively. The Company has been expanding more online service channels to customers and reduced the Company’s operation cost. As a result, the Cardless transactions currently
quarter of 2018. 2) Service & Administrative expenses was Bt66. 1 4 mn, represented 7.9% of total revenues from core business, which decreased from last period represented 8.4%, due to effective cost
rates. Income Tax was at Bt1,597mn, increased 3.5%YoY while decreased -8.6% QoQ aligned with profit before financial cost. The effective tax rate was 19.1%. Profit EBITDA in 1Q23 was at Bt22,636mn
expanding acquisitions in new areas. AIS Fibre continued to focus on service quality and fixed-mobile-content convergence (FMC) strategy to acquire new subscribers. However, the low-price offering to acquire