and within the established targets. Our net interest margin (NIM) equaled 3.43 percent – slightly higher than the preceding quarter. Our cost to income ratio rose marginally from the previous quarter to

and a decrease in net premiums earned - net. Meanwhile, net interest income rose Baht 1,556 million or 6.57 percent, due largely to interest income from loans and investments. Net interest margin (NIM

million (THB 8.4 billion), -7% YoY, Core EBITDA margin 10%  Core Net profit after tax of $128 million (THB 4.0 billion), -27% YoY  Core Earnings Per Share of THB 0.67, -32% YoY  Operating Cash Flow of

of $304 million (THB 9.6 billion), -7% YoY, Core EBITDA margin 10%  Core Net profit after tax of $128 million (THB 4.0 billion), -27% YoY  Core Earnings Per Share of THB 0.67, -32% YoY  Operating

from a year earlier, which can be summarized as follows: 1. Gross Profit including Other Income was up 23% Y-O-Y or Baht 41.0 million due primarily to higher sales and Gross Profit Margin from 31.2% in

Change (%) Gross profit margin 41.99 42.73 (0.74) Selling and administrative expenses to total revenues 38.31 34.43 3.88 Net profit margin 5.74 8.51 (2.77) 1. Total revenues Total revenues of 1Q18

including Other Income up 19% Y-O-Y or Baht 158.4 million driven by higher sales and Gross Profit Margin from 31.4% in FY 2017 to 32.9% in FY 2018; 2. SG&A including Interest expenses up 12% Y-O-Y or Baht

Margin (%) 2.33 2.40 2.35 Current Ratio (Times) 1.34 1.43 1.43 Debt to Equity Ratio (Times) 2.16 1.79 1.81 Book Value per Share (Baht) 2.16 2.22 2.25 Net Profit per Share (Baht) 0.46 0.45 0.43 Yearly

Gross profit 163.53 244.53 (81.00) -33% Gross profit margin 9.78% 15.47% Other income 1.73 5.33 (3.60) -67% Selling expenses 3.68 3.36 0.32 10% Administrative expenses 116.87 111.43 5.44 5% Allowance for

, increased by 33.1 Million Baht or 8.9% compared to the previous year, which contributes 35% of total revenue as the Company has improved customer portfolio by focus more on high margin SKUs which results in