% q-q, and earning per share was 2.68 baht. The net profit increase because of decline in bad debt and doubtful account as well as lower finance cost. Financial Status Total Assets As of August 31, 2017

Financial Service Co.,Ltd. (Japan) (AFS), while the bad debt recovery which increased 13.7% year on year. The Company plans to focus more on expanding fee- based income. This strategy aims to diversify

social security bureau. For inventory day, it increased 11 days comparing to the same quarter of last year. For the financial risk perspective, the ratio was at extremely low leverage with debt to equity

portion of L/T debt) Total other non-current liabilities Shareholders' Equity 31 Dec 2019 1,566.69 166.13 997.12 269.11 281.16 30 Sep 2019 Remarks: The Company has adopted new financial reporting standards

-Equity ratio was 0.76x, improved from 1.50x at the end of 2016, while the Net Interest-bearing Debt-to-Equity ratio was 0.62x at 2Q2017, improved from 1.32x at 2Q2016 and 1.32x at 1Q2017 3. KEY FINANCIAL

Company had liabilities equal to 14,993 million baht more than 2017 at 3,213.8 million baht or 27.3 percent due to its subsidiaries incurred more in short-term debt from financial institution, account

services revenue (%) 31.18% 30.84% Performance Ratio Return on Equity (ROE) (%) 10.75% 11.18% Return on Assets (ROA) (%) 5.80% 5.91% Capital Structure and Debt Ratio Debt to Equity ratio (time) 0.83 0.84

expressed its interest in providing the assistance for the debt restructuring of the Company and started conducting legal, accounting and financial due diligence. SSG Group found that the due diligence

Baht for working capital management. 9. KEY FINANCIAL RATIOS Key Financial Ratios As of 31 Mar 2017 As of 31 Mar 2018 Liquidity Ratio Current ratio (time) 0.38 0.56 Profitability Ratio(1) Gross profit

-to-equity ratio of 2.97 times and the interest-bearing debt to equity ratio of 2.61 times. Forward Looking The Company's operation has been continuing to set goals for the sustainability of the