environment, but its lending and deposits in the third quarter of 2018 grew further, with lending expanding at a higher rate than deposits. Consequently, the loan to deposit ratio has risen from the previous

TIRLOR Financial Ratio สรุปฐานะการเงนิและผลการด าเนินงานย้อนหลัง 2 ปีและไตรมาสล่าสุดหรือเท่าที่มีผลการด าเนินงานจริง ข้อมูล ปี 2561 ปี 2562 ปี 2563 สินทรัพย์รวม (ล้านบาท) 40,081 48,411 53,336 หนีส้ิ

terms and conditions, and a cancellation of immediate payment obligation of SABUY258A bond.   Regarding SABUY263A bonds:(1) A waiver of the obligation to maintain the net debt-to-equity ratio

multiple investment policies. The proposed amendments are as follows:          (1) Investment ratio of PVDs with multiple investment policies (master fund) will be separately calculated by each policy (sub

the temporary closure of some branches in areas and the higher proportion of take-home products and orders via food delivery services, which have lower margins due to higher packaging costs. In addition

%, increased from 56.2% in Q2/2021, and Gross Profit margin in 1H/2022 was 62.4%, increased from 57.7% in 1H/2021. • The increase in gross profit was mainly due to increase in the proportion of sales from

Jet fuel production proportion during the winter season, while demand was lower than expected leading to higher export volume. Furthermore, the entire Asia was unable to export Jet fuel to Europe

&A) 19 Key Financial Ratios INTEREST COVERAGE RAT IO | t imesTOTAL DEBT TO EQUITY AND NET DEBT TO EQUITY RATIO | times 5.18x 1.33x 1.30x 3.89x 0.81x 0.78x Q2/19 Q1/20 Q2/20 Total Debt to Equity (Total

ทีส่ามารถสะทอ้นราคาหุน้ทีอ่อกใหม ่เชน่ อตัราสว่นราคาตอ่ก าไรตอ่หุน้ (price-earning ratio) อตัราสว่นเงนิปันผลตอบแทน (dividend yield) หรอือตัราสว่นทางการเงนิอืน่ ๆ ตามความ เหมาะสมของแตล่ะอตุสาหกรรมพรอ้ม

income until the gross profit being reported differently from the previous periods PAGE 2 MANAGEMENT DISCUSSION & ANALYSIS (MD&A) Q1 2019 The Proportion of Gross Profit in Q1/2019 Operating performance by