test to make sure that the clients understand their own risk profile and receive appropriate investment advice before making an investment or a transaction. Clear and comprehensive disclosure of

review the information and exercise their rights to protect their own interests. They should also make necessary inquiries to the bondholders’ representative to obtain comprehensive information before

-19. The consolidated comprehensive income for 3Q20 totaled Baht 1,458 million, decreased of 17.4% comparing to 3Q19. For the first nine months of 2020, net profit of the Bank and subsidiaries totaled

93 90 24 Other comprehensive income 0.5 0 0 Total comprehensive income for the period 93 90 24 FINANCIAL RATIOS Return on Assets (%) 6.76 6.88 7.56 Return on Equity (%) 21.69 20.44 21.21 Net Profit

. Limited (“VNTH”), its subsidiary in Singapore, and then realized loss on foreign currency differences on dissolution amounting to -13 MB from other comprehensive income to the loss for the year. MTHB % MTHB

the parent) 4.90 3.98 0.92 23.15 11.09 14.79 -3.69 -24.97 Total Comprehensive Income for the Period 3.40 0.24 3.17 1346.81 11.09 14.79 -3.69 -24.97 In sum, the profit of the 2nd quarter of Y2017

for the period 79 93 41 Other comprehensive income 0 0.5 0 Total comprehensive income for the period 79 93 41 FINANCIAL RATIOS Return on Assets (%) 6.22 6.79 5.89 Return on Equity (%) 19.56 21.81 18.90

for the period 79 93 62 Other comprehensive income 0 0.5 0 Total comprehensive income for the period 79 93 62 FINANCIAL RATIOS Return on Assets (%) 6.22 6.79 6.23 Return on Equity (%) 19.56 21.81 19.47

comprehensive income for the year ended 31 December (Unit : Million Baht) 2017 2016 Change % Change Operating revenue 1,580.25 1,411.68 168.58 11.94% Operating cost 1,335.73 1,217.44 Gross profit 244.53 194.24

90 86 31 Other comprehensive income 0 0.4 0 Total comprehensive income for the period 90 86 31 FINANCIAL RATIOS Return on Assets (%) 6.88 6.84 9.48 Return on Equity (%) 20.44 19.17 26.21 Net Profit