the concession agreement) to financial liabilities which measured at amortized cost with effective interest rate. The Company recorded interest expense from the MRT Purple Line Project in the third

quarter of 2018. 2) Service & Administrative expenses was Bt66. 1 4 mn, represented 7.9% of total revenues from core business, which decreased from last period represented 8.4%, due to effective cost

efficiency, and maximized resource utilization. We remain committed to efficient operating cost and asset quality management, along with better information and IT systems as well as human resource management

aims to create an ecosystem that promotes digital payments as the primary option within a system that is efficient, safe, and low in cost. It must meet the needs of the general public, as well as private

, the growth in expenses was less pronounced than that of net total income. As a result, our cost to income ratio decreased to 41.07 percent compared to the previous quarter, which was still better than

security patients which generated high margin and effect of increase of social security payment rate in 1H’18. Moreover, the efficient cost management such as medicine & medical supplies as well as the

advancing digital age. For operating income in 2017, most commercial banks could maintain net interest margin (NIM) due to overall effective cost management despite the deteriorating quality of loans granted

and the Company can manage repairing cost and other costs more efficiently. 2) Sales profit in 1Q19 was Bt0.02mn, decreasing 95.4% YoY and 92.3% QoQ, due to in 2018 the Company emphasize on efficient

% compared to Bt542.89mn in the previous year, in 4Q18 was Bt141.64mn a decrease of 16.8% YoY due to the Company adding new services and more effective cost management control. 4 Forth Smart Service Public

million, decreasing from Q2/2018 that recognized net loss Baht 15 million, due to 1) sales shrinkage in CMG and domestic branded sales; 2) higher cost per unit as a result of lower utilization rate; 3