Bitcoin or Gold for a Diversifier? Tales of Before and During COVID-19 Crisis Financial Literacy and Fintech Adoption for Quality of Life Yosuke Kakinuma Chiang Mai University Business School SEC
11.0% YoY Net profit was Bt441mn, increasing 5.0% YoY Total usage amount was Bt31,538mn, increasing 20.9% YoY Total average number of money transfer transactions per day was 27,330 transactions
of money transfer transactions per day was 30,006 transactions, Increasing 30.1% YoY Business Overview Quarter Quarter Quarter Quarter Quarter Y.2017 Y.2018 %YoY 4/2017 1/2018 2/2018 3/2018 4/2018
business was Bt799 mn, decreasing 5.2% YoY Number of “Boonterm kiosk” was 129,208, decreasing 0.9% YoY Total usage amount was Bt10,337mn, decreasing 0.8% YoY Total average number of money transfer
) -277.78% Other income 0.68 0.81 19.12% Earnings before interest and taxes 16.90 49.87 195.09% Finance costs (0.26) (0.60) 130.77% Profit before income tax expense 16.64 49.27 196.09% Income tax expense
cost from relocating some product from the old production line to the new one; 4) higher excise tax as well as sugar tax following the Excise Act, B.E. 2560, effective since 16 September 2017; 5) higher
0.50 257.14% Other income 0.58 0.81 0.46 -20.69% -43.21% 1.25 1.27 1.60% Earnings before Interest and taxes 19.10 49.87 47.20 147.12% -5.35% 35.99 97.07 169.71% Financial expense (0.73) (0.60) (0.62
from relocating some product from the old production line to the new one; 4) higher excise tax as well as sugar tax following the Excise Act, B.E. 2560, effective since 16 September 2017; 5) higher R&D
transfer,causing the project interest to be booked as a financing cost rather than in the cost of real estate sales as before. Net Profit The Company's net profit for year 2017 was 132.92 Million Baht, or
increased by 609.18 million baht or 55.61% from 1,095.42 million baht in Q2/2019 to 1,704.60 million baht in Q2/2020 because of the promotion campaign in ready to move-in projects in Q2/2020 including the