hotels and the commercial and real estate sectors. Consumer loans expanded from home loans, auto-hire purchases and personal loans. Deposits grew by 3.9 percent from the end of 2017. The ratio of loans to
personal loans, while growth in home loans and credit card loans slowed. Deposits grew by 5.0 percent from the end of 2016, resulting in increased liquidity as seen in the ratio of loans to deposits, which
business of the Company and/or reduce the debt to equity ratio of the company. 4 7. Benefits of Capital Increase/Allocation to Shareholders 7.1 Dividend policy The company has a policy to pay dividends to
and intense competition. Transaction For the Year ended 31st December Unit 2019 2018 Gross Profit Ratio % 10.90 14.58 Earnings Ratio % 0.19 3.15 Debt to Equity Ratio Time 0.30 0.27 Return on Equity
of rubber which is the main raw material for production and the continuous appreciation of the Thai baht. Transaction For the Year ended 31st December Unit 2017 2016 Gross Profit Ratio % 15.60 21.05
6.77 34.15 50.15 39.60 10.55 26.64 Key financial ratio related with operating result (%) For the quarterly Change For the six-month period Change 2Q20 2Q19 % YoY 2020 2019 %YoY Gross profit margin from
: The liquidity ratio is good. The liquidity ratio is 2.86 times and the liquidity ratio is 2.02 times faster Profitability Ratios The gross margin was 23.94% and the net profit margin (%) was (19.32
leads to a lower finance cost and increase financial strength of the Company as debt to equity ratio improves which is beneficial to the Company and shareholders. 5. Warranty of Directors The Board of
and bills of exchange which leads to a lower finance cost and increase financial strength of the Company as debt to equity ratio improves which is beneficial to the Company and shareholders. 5. Warranty