, in regards to the current economic situation which is in an improved trend but the risks to asset quality remained in concerns. The Company therefore remains cautious in expanding high-risk loans. As
consolidated financial results, the Company has total revenues stable compared to the same period of last fiscal year due to the current economic situation which is in an improved trend but the risks to asset
efficiency, and maximized resource utilization. We remain committed to efficient operating cost and asset quality management, along with better information and IT systems as well as human resource management
employees to have financial management and planning skills, better standard of living and ability to afford comfortable retirement. Under the program, human resource unit of each employer will play a key role
on equity of the Company and its subsidiaries was 8. 37% decreased from 14. 55% in 2017; resulting from lower efficiency in profit generation; whilst, slightly lower asset utilization and slightly
Company and its subsidiaries was 9.08% slightly increased from 8.37% in 2018; resulting from higher efficiency in profit generation; whilst, slightly lower asset utilization and slightly lower risk from
Equity Ratio20 (times) 0.44 0.35 0.28 Interest Coverage Ratio 21 (times) 11.61 16.42 22.22 Debt Service Coverage Ratio 22 (times) 0.12 0.14 0.19 Dividend Payout Ratio 23 (%) N/A * 73.38 N/A ** Remark: 1
. The SEC and the AOP will continue to collaborate to support the use of PVDs as an important tool for long-term savings and investment and a key financial resource for employees after retirement. The
789 11.7% Asset Quality Accounts Receivable 93,894 89,771 (4.4%) NPL 6.2% 5.9% - Allowance to Accounts Receivable 10.1% 8.9% - Highlights Ratios D/E (Times) 2.9 2.6 - BVPS (Baht) 94.8 100.5 - ROE 12.6
resource utilization. We remain committed to efficient operating cost and asset quality management, along with better information and IT systems through appropriate structures and tools, as well as human