risks and returns depending on different factors, terms and conditions. It is important to seek details of the funds to be invested from selling agents as well as request and study the fund fact sheets

mutual funds, for instance, tax exemption on capital gain, and tax deductions for investment in long-term equity funds (LTFs). These privileges allow investors to obtain higher returns, which in turn

under HK-TH MRF are: ­ General equity fund ­ Bond fund ­ Mixed fund Also eligible are unlisted index funds and ETFs, of which the investment policy aims to generate returns for investors according to the

Director Ratio Analysis : Consolidated Financial Statements 4Q 4Q 12 mth 12 mth Unit : THB million 2019 2018 2019 2018 Returns (%) Return on Assets * 19.4% 14.9% 23.5% 13.7% Return on Equity * 23.4% 21.4

. Please be informed accordingly. Yours sincerely, ( Mr. Wachira Wudhikulprapan ) Managing Director Ratio Analysis :Consolidated Financial Statements 9 mth 9 mth Unit : THB million 2017 2016 Returns

Director Ratio Analysis :Consolidated Financial Statements 12 mth 12 mth Unit : THB million 2017 2016 Returns (%) Return on Assets 13% 8% Return on Equity 15% 10% Working Capital Management (Days) Trade

Director Ratio Analysis : Consolidated Financial Statements 1Q 1Q Unit : THB million 2019 2018 Returns (%) Return on Assets * 4.4% 3.1% Return on Equity * 5.6% 3.6% Working Capital Management (Days) Trade

informed accordingly. Yours sincerely, (Mr. Wachira Wudhikulprapan) Managing Director Ratio Analysis :Consolidated Financial Statements 3 mth 3 mth Unit : THB million 2018 2017 Returns (%) Return on Assets

by Baht 11.89 million or 12.16% from the same period last year. Short-term investments in low risk mutual funds for better returns, save money. 1.2 Accounts receivable as at 31 March 2018 and 31 March

148.40 million Baht and 97.73 million baht, respectively, increased by 50.67 million baht or 51.84% from the same period last year. In short-term investments in low risk mutual funds for better returns