net profit increase. The Company’s Interest Bearing Debt to Equity Ratio was 1.08 times decreased from the ending of 2018 which equal to 1.14 times. Looking Forward The performance of the Company is in

market items 310 307 235 1.0% 31.9% 1,115 1,104 1.0% Contributions to the Deposit Protection Agency and Financial Institutions Development Fund 2,429 2,442 2,277 (0.5)% 6.7% 9,617 9,127 5.4% Debt issued

Group, as at June 30, 2019, the consolidated debt to equity ratio was 0.42 time and the consolidated net debt to equity ratio was considerably low at 0.26 time. Overall Financial Performance and

19.55 million Baht, came from unappropriated retained. As of 30 June 2018, the Company had current ratio 7.76:1 times and Debt to Equity ratio equal to 0.10:1 times, compared to those of the same period

net debt to equity ratio was low at 0.25 time. As at September 30, 2019, The Company and its subsidiaries still had available credit line of the revolving short- term borrowings with financial

Service Long-term Deposit Baa1 Baa1 Baa1 Short-term Deposit P-2 P-2 P-2 Senior Unsecured Debt Instrument Baa1 Baa1 Baa1 Subordinated Debt Instrument Baa3 Baa3 Baa3 Financial Strength (BCA) baa2 baa2 baa2

percent. Total business loans (64.1 percent of all loans) shrank by 0.8 percent due to the economic slowdown and debt repayments in many types of businesses. Corporate loans (excluding financial businesses

Protection Agency and Financial Institutions Development Fund 2,496 2,504 2,479 (0.3)% 0.7% 7,452 7,417 0.5% Debt issued and borrowings 1,519 1,533 1,358 (0.9)% 11.9% 4,582 3,965 15.6% Total interest expenses

receivable has increased in line with revenue increase. Liabilities as of 31 December 2017 substantially decreased mainly from the repayment of debt owed to financial institutions. The repayment was from IPO

debt to equity ratio was 0.42 time and the consolidated net debt to equity ratio was considerably low at 0.27 time. Financial Highlights 1Q 2018 1Q 2017 Change THB million % Sales THB million % Sales THB