year 2019. The loan receivables outstanding balance stood at 3,678 million Baht or a decline by 8.8% from the ending of 2018. The Company is very cautious to lending consumers. Moreover, the Company
-19 pandemic, the Company has been more cautious in managing the investment portfolio to mitigate risk exposures, which may result in lower-than-expected investment return. Our subsidiaries have
inflationary situation of the country's economy, causing the consumer purchasing power to decrease, together with the concerns of users about future inflation. As a result, users were more cautious in their
quarter but may be restrained by vulnerable and highly uncertain household income as well as elevated household debt. These factors are causing customers to be cautious on spending. Moreover, the tourism
’ burden by reducing minimum payment for credit card and personal loan as well as providing a grace period and relief program in the first quarter of 2020. Moreover, the Company adopted a more cautious in
, compiling, processing, storing and retrieving information related to obligation repayment and cautious delivery of the underlying goods (if any); (4) a system for custody of assets of service users by
information related to obligation repayment and cautious delivery of the underlying goods (if any); (4) a system for custody of assets of service users by applying the provisions under Paragraph 1 and 2 of
future employment prospects. These factors are causing customers to be cautious and delay spending related to home decoration or renovation. During the first nine months, the Company’s total revenues and
adverse economic situation led to a cautious consumer spending across customer segments. However, the Company expected total usage amount to continue to recover from 2nd quarter of this year. The Company