Component by Brand 3 2. Cost of goods sold and gross profit Gross profits for Y2019 and Y2018 represented 43.44%, and 40.90%, respectively, which increased previous year. Gross profits improved from higher

the GDP; (2) Lack money management skills; (3) Lack ability to drive the country productivity growth as aging society is approaching; (4) Lack retirement savings resulted from insufficient savings and

) contains a salient point on amendment to the Bank of Thailand’s limited authority under Financial Institution Business Act B.E. 2551 (2008) to ensure enhanced efficiency in supervising specialized financial

represented 47.61% and 41.47%, respectively. Gross profits improved from higher proportion of house brand product sales compared to previous period. The Company has focus in maintaining gross profit margin

private sector in conducting and managing foreign exchange transactions, together with providing Thai investors increased investment options with improved risk diversification. KBank has put in place

45.73% and 46.78%, respectively. Gross profits margin ratio improved from higher proportion of house brand product sales compared to previous period. The Company has focus in maintaining gross profit

improved from higher proportion of house brand product sales compared to previous period. The Company has focus in maintaining gross profit margin, emphasizing FN brand awareness and increasing FN brand

managing relevant risks under an operational risk management framework, and established additional IT risk management policies and framework for enhanced efficiency in work processes, control and systematic

as a result of enhanced effectiveness of the inventory management and the control of purchase orders at an appropriate level. 2. Liabilities As at 31 March 2018, the Company’s liabilities totaled Baht

smart solutions to improve the efficiency and productivity of their businesses. Nonetheless, economic concerns also persisted in this customer segment, especially in small and medium enterprises, and