of the staff cost resulting from the increase of minimum wages and the employment due to the branch expansion, as well as the increase of the rents of the existing branches and new branches. Net Profit

profit is consistent with the increase in the growth of revenue from expansion of business of the company. However, the Gross profit margin has slightly decreased due to cost of program right growth

table sets forth certain details regarding the appraisal value and outstanding balance of our loans purchased and properties for sale that had been converted from collateral (“Foreclosed Collateral

the outstanding balance of trade and other receivables, almost 89% of total net trade and other receivables, were under current due. Average collection period decreased from 76 days to 75 days

years. The main factors that contribute to the rate hike are to curb financial stability risks and to start building policy space. In the auto industry, expansion continued during 2018 with total number

 are well known and have good reputation in the IC, and electronics industry.    Provision is made of amounts outstanding over 90 days and amounts which the management believe may be doubtful.  Accounts

compensation rates of medical staff secured for the future business expansion. Financing Costs The Company and its subsidiary’s financing costs in relation to the loans from financial institutions and related

 reputation in the IC, and electronics industry.    Provision is made of amounts outstanding over 90 days and amounts which the management believe may be doubtful.  Accounts receivable days were 59 days in Q317

increase of headcounts and salary rate in order to accommodate business expansion. In addition, advisory & services fee decreased in 2017 because the Company was in the process of listing in SET last year

Quality Accounts Receivable Most of customers are well known and have good reputation in the IC, and electronics industry. Provision is made of amounts outstanding over 90 days and amounts which the