capital, in combination with regular increases in reserves, the commercial banking system will continue to provide a cushion for NPL. Overall Picture of the Bank and its Subsidiaries Million Baht Item

thoroughly economic growth can spread to all sectors. However, given commercial banks’ relatively high capital base in combination with consistent increases in provisioning reserves, the commercial banking

% 86.7% 89.5% (1.0)% (3.8)% Non-performing loan (NPL) 82,148 83,668 80,137 (1.8)% 2. 5% Ratio of NPL to total loans 3.5% 3.5% 3.4% - 0.1% Ratio of loan loss reserves to NPL 185.8% 189.0% 190.9% (3.2)% (5.1

(NPL) 86,221 82,148 80,137 5.0% 7.6% Ratio of NPL to total loans 3.6% 3.5% 3.4% 0.1% 0.2% Ratio of loan loss reserves to NPL 183.4% 185.8% 190.9% (2.4)% (7.5)% Total capital adequacy ratio 20.71% 18.28

reserve in its accounts. Please be informed accordingly, Yours sincerely, Mr.Opas Cherdphan Chief Executive Officer M Vision Public Company Limited

consistent with the increased revenue in the contract manufacturing business of milk, drinks, and fruit juices. - Inventories increased by Baht 15.05 million, because the Company had to reserve packages and

income of equity holders of the parent after deducting reserve profit ( loss) for the period of Western University Fund amount of Bath 236.28 million, an increase of Baht 49.34 million or 26.39% Please be

year 2017 as a legal reserve in the amount of 18.10 million Baht and no dividends be paid from the operation of 2017. 2. Resolved for submission to the Shareholders meeting for approve the Company’s

revenue in the contract manufacturing business of milk, drinks, and fruit juices. - Inventories increased by Baht 8.99 million, because the Company had to reserve packages and raw materials for customers

had to reserve packages and raw materials for customers in manufacturing. - Lease receivables were decreased by Baht 1.11 million because caused by the receipt for the rent under the finance lease