25% yoy, respectively. The substantial increase in 9M’18 was mainly from the accounting expense stemming from the revised down of social security income of 4Q’17 for amount of THB 10.7 million. Without
network and service. This resulted in overall network OPEX ( excluding cost of TOT partnership) to stay flat YoY or remained at 8% of core service revenue. The focus on effective spending amidst intense
12% discount at JCB merchants. For every spending 20 baht, card member will earn 1 point and every 2 points will earn 1 Mile from Japan Airlines and Thai Airways. Moreover, they can enjoy the JCB
, credit card revenue was 1,887 million baht, an increase of 9 million baht or 1% y-y. The Company has focused on promotion activities to encourage customer’s spending and increase market share. For example
-Vitt contribution in the 2H’20. Selling and administrative expenses (SG&A) level of spending was at 22.7% of sales, slightly lower YoY. Our actions were to focus on core products and defend profit with a
compare with the previous year amount to Baht 10.08 million, decrease Baht 0.12 million or decrease 1.17%, this is due to the company set measure to control appropriate spending. 4. Administrative expenses
beginning, promising further growth to come, aided by government stimulus spending. US it seems is firing on all cylinders and China is the first to emerge with strong demand. If Europe unites in stimulating
, decreasing of 128 million baht or 2% q-q and 12% y-y. This is the result of the COVID-19 pandemic situation and economic slowdown has made consumers more cautious on spending, especially in cash loan products
purchasing power. However, from Sep-21 onward, restrictions were gradually lifted, resulting in some improvement in consumer spending. Meanwhile, competition in mobile industry remained elevated as operators
slump in credit card spending caused by of the COVID-19 pandemic. During this quarter the Company collaborated with new business alliances, namely Shopee and Grab Food, to increase business opportunities