debt to EBITDA of 1x and decent interest coverage ratio of 14x in FY20. Asset turnover: Inventory was well-managed with inventory days declined from 51 days to 44 days due to lower handset stock. Account

the end of the prior year. The liquidity ratio (current assets to current liabilities) of the Group was at 13.87 times which increased from the end of the prior year. It was high liquidity. The debt to

achieve sustainable growth and returns while maintaining our long-term market leadership. Guided by our core strategies of “Customers’ Life Platform of Choice” along with “Customer Centricity”, KBank has

revenues were 5,093 million baht, an increase of 553 million baht or 12% y-y. This is the result of an increase in credit card and personal loan incomes as well as bad debt recovery continue to improve. As

Total 81,492 Total 81,492 Financial Position (Bt mn/% to total asset) 4Q17 4Q18 Key Financial Ratio 4Q17 3Q18 4Q18 Cash 10,650 3.7% 9,067 3.1% Interest-bearing debt to equity (times) 2.2 2.2 1.9 ST

market price worldwide and a stagnant of Thai economy in the first half of 2017 causes a lower demand of steel consumption. Management’s Discussion and Analysis (MD&A) For Q2/2017 GSteel 2 - HRC cash

enhancement of our business capabilities to achieve sustainable growth and returns while maintaining our long-term market leadership. Guided by our core strategies of “Customer Centricity”, KBank has extended

not exceed the ratio as prescribed in Clause 13, unless in case of the offer for sale of convertible bonds [i] by the applicant in need of financial supports or [ii] for the purpose of debt

year 2018. Consequently, book value as of November 30, 2019 was 79.6 baht per share, increased from 72.2 baht per share as of February 28, 2019. Debt to Equity ratio as of November 30, 2019 at 3.7 times

environment. The raw material reference prices on the world market are that the HMS 1&2 (80:20 ratio) scrap USA export price of the second quarter of 2017 was averaged at USD 263/mt. FOB, still remained the