. Loan to deposits and borrowings ratio stood at 106.9% comparing to 106.3% at the end of 2016. 10 LIABILITIES CONSOLIDATED Change (BAHT'000) Jun 30, 2017 Dec 31, 2016 Amount % Deposits 133,858,053
, other operating expenses rose Baht 765 million, or 5.03 percent over-year due in part to marketing expenses. As a result, our cost to income ratio increased to 41.20 percent from the same period of last
liquidity status. Net debt to EBITDA rose up from 2.0X in FY22 to 2.9x and remained manageable despite new debt incurred for the acquisition deal. The interest coverage ratio remains healthy at 13x. In FY23
payables. As at 31 December 2022, the debt to equity ratio was 0.41 times, the net debt to equity ratio was 0.36 times, the interest- bearing debt to equity ratio was 0.36 times, and the net interest-bearing
to Baht 194.48 million. In this regard, the debt to equity ratio was 1.35 times. Shareholder’s Equity as of December 31, 2018 was Baht 1,447.32 million increased Baht 420.76 million from as of December
(%) 12.02 15.64 (3.62) Profit before FX per share (Baht) 4.70 4.88 (0.18) Leverage Ratio and Liquidity Ratio Quarter 3 Quarter 2 Change Increase/(Decrease) 2019 2019 Debt to Equity Ratio (Time) - Consolidated
dividend payment to shareholders and interest payment. 5 Key Financial Ratio Analysis For the period ended 30 June 2019 For the year ended 31 December 2018 Change Reason Liquidity Ratio (x) 4.90 4.53 0.37
branch, dividend payment to shareholders and long term loans and interest repayment. 6 Key Financial Ratio Analysis For the period ended 30 September 2019 For the year ended 31 December 2018 Change Reason
components of equity according to new financial reporting standards –TFRS9. • As a result of the foregoing, net interest-bearing debt to equity ratio increased from 1.0 times as of December 31, 2019 to 1.1
by an increase in Retained Earnings. As at 31 December 2018, the Company’s Debt-to-Equity ratio was 0.69x, slighty decreased from 0.70x at the end of 2017 . Net Interest-bearing Debt-to-Equity ratio