-Performing Loans LH Financial Group Public Company Limited Management Discussion and Analysis for the First Quarter ended 31 March 2019 Page 14/19 As of 31 March 2019, the bank had non-performing loans (Gross
Ratio Gross Profit Margin (%) 19.8 24.8 Operating Profit Margin (%) 13.4 17.9 EBITDAR Margin (%) 22.4 26.6 Net profit Margin (%) 6.6 9.2 Return on Equity (%) 6.6 9.6 Efficiency Ratio Return on Assets
Profitability Ratio Gross Profit Margin (%) 19.8 24.8 Operating Profit Margin (%) 13.4 17.9 EBITDAR Margin (%) 22.4 26.6 Net profit Margin (%) 6.6 9.2 Return on Equity (%) 6.6 9.6 Efficiency Ratio Return on
profit(loss) 2.90 (0.01) (10.13) NTA 19.69 17.18 7.05 Description PBSB Financial Statement For the Year Ended May 31 (Unit : MYR Million) 2015/16 2016/17 2017/18 Revenues 3.00 - - Costs - - - Gross profit
Non-Performing Loans As of 30 June 2019, the bank had non-performing loans (Gross) amounted of Baht 3,384.1 million, decreased by Baht 136.1 million or down to 3.9% when compared at the end of the year
302,755 25% Other income (expense), net1 671 319 303 122% 1,703 2,056 (17)% Total Revenue 95,566 96,130 83,893 14% 379,845 304,812 25% Cost of sales2 82,276 83,548 68,009 21% 323,507 250,741 29% Gross
32.8 Profitability Ratio Gross Profit Margin (%) 9.4 16.4 Operating Profit Margin (%) 1.6 9.7 EBITDAR Margin (%) 12.7 19.8 Net profit Margin (%) (1.4) 4.5 Return on Equity (%) (1.2) 4.2 Efficiency Ratio
financial lease 794 665 567 124 Cost of sales (49,371) (38,479) (37,721) (9,093) Gross profit 14,854 14,088 13,158 3,382 Other income 49 258 334 147 Administrative expenses (776) (954) (847) (147) Finance