debt to equity ratio of the Company was considerably low at 0.28: 1. Financial Highlights 3Q 2017 3Q 2016 Change 9M 2017 9M 2016 Change THB million % Sales THB million % Sales THB million % THB million

of bad debt in accordance with the new Financial Reporting Standards (TFRS 9) coupled with additional provision for future impact of ongoing economic slowdown and the COVID-19 pandemic totally at the

of bad debt in accordance with the new Financial Reporting Standards (TFRS 9) coupled with additional provision for future impact of ongoing economic slowdown and the COVID-19 pandemic totally at the

Dec 2019, the Company had a Debt to Equity ratio of 1.68 times, an Interest Bearing Debt to Equity ratio of 1.36 times and a Net Cash Interest Bearing Debt to Equity ratio of 1.35 times. Net Profit The

31, 2018 was 1.28 times, compared to 1.27 times at the end of 2017 Net-Debt-to-Equity ratio according to the Company’s consolidated financial statement as of March 31, 2018 was 1.28 times, compared to

, decreasing by 8% y-y. However, the Company still maintained effective operating cost control with cost to income ratio at 39% of total revenues. Considering the Company’s separate financial statement, the

, decreasing by 8% y-y. However, the Company still maintained effective operating cost control with cost to income ratio at 39% of total revenues. Considering the Company’s separate financial statement, the

Financial Performance Q3 2017 Q4 2017 Q1 2018 Q2 2018 Q3 2018 Return on equity (ROE) 14.3% 17.3% 18.9% 18.3% 19.0% Return on asset (ROA) 7.1% 9.0% 10.1% 8.8% 8.9% Interest bearing Debt / Equity (IBD/Equity

. However, the Company still maintained effective operating cost control with cost to income ratio at 38% of total revenues. Considering the Company’s separate financial statement, the operating and

receivable, the net profit grew 26% from the fourth quarter last year. An increase in net profit mainly due to a decline in bad debt and doubtful accounts and finance cost. Financial Status Total Assets As of