-31% EBITDA 88 137 -36% 141 -38% 229 348 -34% EBITDA Margin (%) 2.7% 3.2% -0.5% 5.1% -2.4% 3.8% 3.9% -0.1% Stock Gain/(Loss) & NRV -58 -149 -61% -74 -22% -132 -382 -65% Adjusted EBITDA(1) 146 286 -49
) Loans purchased of receivables 4,407 1,152 3,054 (30.7) 165.1 - Part of fully received 348 - 202 (42.0) N/A - Part of account receivable - - 1,238 N/A N/A - Gain on loans purchased of receivables 4,059
fully received 348 - 202 (42.0) N/A - Part of account receivable - - 1,238 N/A N/A - Gain on loans purchased of receivables 4,059 - 1,584 (61.0) N/A Installment sale receivables 19 21 22 15.8 4.8 Others 3
-50% 273 637 -57% EBITDA Margin (%) 1.4% 7.8% -6.4% 2.7% -1.3% 3.0% 5.1% -2.1% Stock Gain/(Loss) & NRV 13 -57 -123% -58 -122% -119 -439 -73% Adjusted EBITDA(1) 31 346 -91% 146 -79% 392 1,076 -64
drastic decline in Ethylene and Glycerin price from ample supply plus lower crude oil price. 2. In 2019, distribution costs, administrative expenses, and doubtful debt expenses was 1,390 MTHB, increased by
software developers, interest income, dividend income, gain from sale of fixed assets and gain on investment. In Table 2 , HUMAN‘s revenue structure comprise of 2 business units , HR service and Financial
45.4% 281.47 45.9% 43.76 18.4% SG&A 97.62 18.7% 120.70 19.7% 23.08 23.6% EBIT 140.09 26.8% 160.77 26.2% 20.68 14.8% Share of Gain in Associates - - 1.94 0.3% 1.94 - Interest Expenses 0.63 0.1% 0.43 0.1
% 126.54 46.2% 16.62 15.1% SG&A 35.95 14.1% 48.13 17.6% 12.18 33.9% EBIT 73.97 29.1% 78.41 28.6% 4.44 6.0% Share of Gain in Associates - - 0.15 0.1% 0.15 Interest Expenses 0.29 0.1% 0.25 0.1% (0.04) (13.8
Profit 59.13 44.6% 85.50 47.7% 26.37 44.6% SG&A (20.92) (15.8%) (28.47) (15.9%) (7.55) 36.1% EBIT 38.21 28.8% 57.03 31.8% 18.82 49.3% Share of Gain (Loss) in Associates (0.40) (0.3%) 0.43 0.2% 0.83 (207.5