2016 Deposits 2,297,918 2,244,032 2,178,141 2.4% 5.5% Interbank and money market items 114,538 117,580 130,928 (2.6)% (12.5)% Debt issued and borrowings 131,595 133,236 137,815 (1.2)% (4.5)% Total

Ordinary Shares of the Company under the Debt to Equity Conversion Scheme”). Since the said conversion price is 58.89 percent lower than the market price1, the offering of the newly issued ordinary shares of

ratio is better because of reducing in total debt of the company. Please be inform accordingly, (Mr. Chaiyasit Samrittivanicha) Managing Director Ratio Analysis Gross Profit Margin (%) Net Profit Margin

baht and intense competition. Transaction For the Year ended 31st December Unit 2018 2017 Gross Profit Ratio % 14.58 15.60 Earnings Ratio % 3.15 4.88 Debt to Equity Ratio Time 0.27 0.29 Return on Equity

only 0.12, which is a result of the large amount of current liabilities being due in one year, but also is at high financial risk with the debt to equity ratio of 12.44 as calculated based on the

profit margin 17.3% 16.2% Debt to Equity ratio 0.11 0.14 Earnings per share 0.80 0.65 ROA 19.8% 16.3% ROE 20.8% 18.6%

only 0.12, which is a result of the large amount of current liabilities being due in one year, but also is at high financial risk with the debt to equity ratio of 12.44 as calculated based on the

market situation as well as a decline in transaction services resulting from the exemption of transaction fees via digital channels. Impairment loss on loans and debt securities fell by Baht 3,227 million

interbank and money market items. This was coupled with a decline in interest expenses on debt issued and borrowings from the early redemption of Subordinated Debentures No. 1/2012 in December 2017. Non

business continuity,* the SEC has issued the following key amendments:  (1)  Allowing business operators to temporarily use qualified subordinated debt exceeding the shareholders' equity without counting