-old and older would account for approximately 20 percent of the total population. Pension or traditional welfare alone is unlikely to sufficiently maintain the retirees? living standard. In light of the

of its normal risk management using a delta-neutral hedging strategy. The Delta hedging strategy requires that the Company continuously adjusts its hedging position as the market moves up or down. If

previous year. The net loss was Baht 13.64 million, representing an increase of Baht 17.16 million. Up to 125.81 percent. The causes are as follows. 1. Sales and service income increased from Baht 133.41

, comparing to the financial solution. We continue to see strong domestic demand in Thailand, customers are seeking good HR technology and catching up on the wave of HR digitalization. Increasing, more

our investments, as well as improvements in surplus cash management where we have invested surplus cash in money market products giving a better yield. Cost of Services While our revenue has grown 7.7

grown 7.7% compared year-on-year, the growth in our cost of service increased by 3.00mb or 2.1% to 147.42mb (Q2 2018: 144.42mb). The slower growth in cost is mainly due to improved productivity in our bid

Baht 0.22 million. Thai economy situation of the first six months of 2017 was trended to grown up separately in section. Export sector was tended to grow up well as well as tourism sector that kept

mentioned. Excluding such non- recurring income, 1Q18 revenues would have grown 9% QoQ, mainly from stronger performance of hotel business. Management Discussion and Analysis 1Q18 Consolidated Financial

of Thailand data, at the end of December 2016, reported the total numbers of credit card industry amounted to 23.2 million cards, has grown by 6% more than last year. Credit Card Receivables was

policy to plan to supply new models to sell. Instead of older products that are not popular in the market Therefore, the revenue from sales and services of the Company in 2018 increased as follows: income