Total loan loss reserve/ Total mandatory reserve 186.3 186.3 184.4 182.4 167.0 170.9 170.9 4 Profit and Loss Transaction For the year ended December 31, CONSOLIDATED Change (BAHT'000) 2019 2018 Amount
-impaired (POCI) 5 Profit and Loss Transaction For the three-month period ended March 31, CONSOLIDATED Change (BAHT'000) 2020 2019 Amount % Interest income 4,840,262 4,440,556 399,706 9.0 Interest expenses
outstanding loans totaled Baht 1,249 million increased when comparing to Baht 509 million from the end of 2019 due to the change in classification from TFRS 9 for financial assets classified as Purchased or
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
15.37% up from 1Q2018. Financial Highlights 1Q 2019 1Q 2018 Change THB million % Sales THB million % Sales THB million % Revenue from Sales 3,966.01 100.00 3,733.10 100.00 232.91 6.24 Gross Profit 533.79
consolidated EBITDA in 1Q2020 was THB 751. 67 million, increased by THB 147.95 million or 24.51% up from 1Q2019. Financial Highlights 1Q 2020 1Q 2019 Change THB million % Sales THB million % Sales THB million
% 2.2% 29.9% 27.2% (2.7%) Net profit margin1 (%) 17.7% 8.1% (9.6%) 19.7% 7.1% (12.6%) Number of branches as at Dec 312 38 39 3% 38 39 3% 2019 2020 Change +/(-) Change +/(-) Q4/19 Q4/20 Operating highlight
. However, tax collection under the Act will commence on January 1, 2020. One significant change under the Act is that local administrative organizations are now authorized to collect the land and building
institutions which may cause widespread repercussions and rapid changes. Having studied this law and made preparations for the change, we are confident that we will be able to accurately and fully comply with
. Short-term Investment As at 31 December 2017, the Group had short-term investment of THB 463.35 million which consisted of investments in securities held for trading THB 261.29 million, change in fair