, interest rate, financial index, securities index as goods or variable, or any other assets or variables as specified in the Notification of the Office; “financial institution” means any financial institution

oil, currencies, exchange rate, interest rate, financial index, securities index as goods or variable, or any other assets or variables as specified in the Notification of the Office; “financial

1. The company's total assets as of March 31, 2020 and March 31, 2019 were 1,757.85 million baht and 1,573.51 million baht respectively, an increase of 184.34 million baht or 11.72% due to an increase

appropriate manner. Banks need to maintain a sufficient level of liquid assets to cope with potential cash outflows in the event of a crisis in accordance with the requirements of Basel III. Banks also have

ratio 42.8% 39.9% 45.8% 2.9% (3.0)% 41.4% 43.3% (1.9)% Return on average assets * 1.16% 1.17% 1.07% (0.01)% 0.09% 1.17% 1.10% 0.07% Return on average equity * 9.16% 9.05% 8.38% 0.11% 0.78% 9.12% 8.61

income ratio 21.2% 21.3% 23.2% (0.1)% (2.0)% 22.2% 23.5% (1.3)% Expense to operating income ratio 43.5% 42.8% 41.9% 0.7% 1.6% 42.1% 42.8% (0.7)% Return on average assets * 1.14% 1.16% 1.06% (0.02)% 0.08

Deferred Revenue Item Deferred Revenue Item = Deferred revenue from assets monetization to WHABT in 2015 which recognized in the first quarter of 2019 as a result of accounting standard adjustment (TFRS 15

-Current Assets decreased by THB 105 million mainly due to the amortization of the right-of-use asset following the Accounting Standard of the regular accounting period. • Other Current Assets decreased by

market and an investment in assets in order to received privileges under investment promotion schemes granted expenditure reduction around 1.5 times. The installation of kiosk takes approximately 4-6

%) Note: (1) Revenue and Cost that were recognized when there is construction under concession agreements for tap water according to accounting standard TFRIC12 EBITDA (MB) 1H/2016 1H/2017 Increased