-interest income. Aside from debt quality, commercial banks may have to contend with several other challenges including such regulatory changes as new mortgage measures, implementation of the Basel III

& Financial Policy Unit 31 Dec 2017 31 Dec 2016 Debt to Equity Ratio Times 0.62 0.79 Interest Coverage Ratio Times 11.25 9.49 Debt Service Coverage Ratio Times 1.38 1.76 According to the liquidity ratio and

the annual general meeting in April and paid out in May. Financial Status The group currently has no interest bearing debt. Cash reserves and financial investments at the 31st December, 2017 were THB

, and other Current Assets PP&E Other Liabilities Non-Current Assets Shareholders’ Equities As of December 31, 2018 THB 13,084 million Interest Bearing Debt As of Jun 30, 2019 THB 12,667 million Global

payment of 154 MB. Cash and Cash Equivalent Account Receivable, Inventory, and other Current Assets PP&E Non-current Assets Other Liabilities Interest Bearing Debt Shareholders’ Equities December 31, 2016

Food and Bakery Wholesales Business 236 231 5 2.2 Overseas Restaurant Business 153 219 (66) (30.14) Others 4 10 (6) (60.0) Total 2,083 2,075 8 0.4 Earnings before Interest, Tax, Depreciation and

note were the K Complex Return 3YA Fund Not For Retail Investor (KCR3YA-UI) and K Special Fixed Income 6MA Fund Not for Retail Investor (KSF6MA-UI), both of which invest in debt instruments and/or

Perp interest (76) (59) (49) (159) (105) 52% Proceeds from issue of ordinary shares due to warrants exercised 452 0 - 452 (0) (3) Increase/(Decrease) in Net Debt on cash basis (364) 212 (111) (187) 562

liabilities decreased by Baht 306.6 million, largely attributable to decrease of interest bearing debt. Total shareholders’ equity increased by Baht 591.0 million driven by increase of profit during the period

Center: 0-2338-3000 Fax: 0-2338-3334 www.nationgroup.com interest pursuant to the Debt Acknowledgement Letter of GNET, equivalent to Baht 85,596,240.05, totaling Baht 250,000,000. The acquisition of shares