loans contracted at 8.1% from the end of 2016. For asset quality, the amount of Non-Performing Loans (NPLs) showed considerable improvement with the Non-Performing Loans (NPLs) to total loans ratio at the

. Hire purchase loans contracted at 8.1% from the end of 2016. For asset quality, the amount of Non-Performing Loans (NPLs) showed considerable improvement with the Non-Performing Loans (NPLs) to total

, comparing with Q4’2018, EBITDA margin increased from 22.2% due to 1) more volume dispatched from industrial users, 2) less scheduled maintenances, 3) continual improvement in production efficiency and 4) less

) due to continuous improvement in margin from 2Q 2017 to 2Q 2019.  In the context of the nature of business dynamics, Egypt has been reclassified under Asia. Europe  Production in Europe went up 33

improvement in collection operation and continuously improving asset quality as well as positive sign of economic recovery. - Finance Cost In the fiscal year ended February 28, 2018, the Company’s finance cost

previous year of Bt731.43mn, in 4Q18, the gross profit was Bt166.35mn, down 4.6% YoY due to the slowdown of the grassroots economy, the depreciation cost of and the improvement of the performance of the

207.86 million and 2 1 6 .71 million respectively, growing at a rate of 4 .2 6 %. This signaled an improvement in domestic sales revenue in the fourth quarter of 2018 compared to the past third quarter

shareholders of Bt904.1 million 2.1.2 Property, leasehold improvement and equipment as of September 30, 2019 was of Bt12,345.3 million, increasing by Bt991.4 million or 8.7% from December 31, 2018 2.1.3 Project

7.4% YoY, as a result of declining in core revenue, kiosk improvement to support new business, and fully-depreciated kiosk maintenance. 2) Net profit in FY2019 was Bt584.23mn, increasing 0.2% YoY, as a

target customers for realization of the importance and improvement of the product quality and service. Management's Discussion and Analysis and operating results for the Quarter 2/2017 Page 2 / 7 Meanwhile