(311.70) (258.46) 53.24 20.60 Gross profit 33.17 17.48 15.69 89.76 Other income 0.75 0.90 (0.15) (16.67) Profit before expense 33.92 18.38 15.54 84.55 Administrative expenses (16.76) (15.49) 1.27 8.20

other incomes in 2018 was 1.78% of total sales, slightly decreased from 1.88% in 2017. Selling General and Administrative Expense The consolidated SG&A expenses in 2018 equaled to THB 1,372.02 million

from the securities business receivable and Innotech Asset Management Co., Ltd. had partial debt collection from its investment in bill of exchange, resulted in the reversal of the allowance by Baht

operation of J Fintech Company Limited in the past affected by the coronavirus situation some in the collection of debt during Lock Down. However, under the accounting practice, Subject: Temporary relief

level as the previous quarter. This was mainly contributed from an increase in credit card income by 14%, personal loan income by 15% and other incomes in bad debt recovery and collection service income

operating and administrative expense was mainly from the Company’s plan to adjust the Back Office Operation through the Shared Service Center and improve debt collection system. As a result, personal expense

of last year by Baht 49.5 million or is equal to 48.4% which change in the same direction of revenue. The main reason was resulting from decrease in rental expense due to discount from COVID-19

) Co., Ltd. and collection service income of 202 million baht, increasing by 2% y-y from ACS Servicing (Thailand) Co., Ltd. 4 Expenses The Company’s expenses mainly consist of operating and

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

. Therefore, AEON Microfinance (Myanmar) Co., Ltd has stopped new loan and cut the expenses as well as continued pursuing debt collection respectively. The Company has been expanding more online service