had current ratio 3.68:1 times and debt to equity ratio 0.19:1 times, indicating normal criteria and no significant difference from the previous year. Please be informed accordingly. Yours sincerely

with net profit rising by 7.8 percent from the same quarter last year and 6.6 percent from the previous quarter. As of June 30, 2019, loans grew at a lower rate than deposits, with the ratio of loans to

fees and service income decreased. Operating expenses decreased by Baht 495 million, due to a decline in premises and equipment expenses. Impairment loss of loans and debt securities rose by Baht 2.7

% Return on Assets (ROA) (%) 7.37% 6.53% Capital Structure and Debt Ratio Debt to Equity ratio (time) 0.99 0.92 Debt Service Coverage ratio (DSCR) (time) 2.47 2.25 Note: (1) Gross profit and Net profit were

. 3.9 Doubtful debt restructuring It shall disclose a nature of the debt restructure, accounting policy of value assessment expected to return and discount rate. 3.10 Property, plant and equipment It

debt restructure, accounting policy of value assessment expected to return and discount rate. 3.10 Property, plant and equipment It shall disclose a valuation method determinate on book value prior to

amortisation. 3.9 Doubtful debt restructuring It shall disclose a nature of the debt restructure, accounting policy of value assessment expected to return and discount rate. 3.10 Property, plant and equipment It

Days Days 141 140 Accounts Payable Days Days 43 43 Cash Cycle Days 133 130 Leverage & Financial Policy Unit 31 Dec 2018 31 Dec 2017 Debt to Equity Ratio Times 0.74 0.62 Interest Coverage Ratio Times

conversion and some portion has been restructured from short-term debts into long-term loan 5 years, resulted in better financial ratios i.e. Debt to Equity Ratio (D/E Ratio) at 0.39 and Current Ratio at 1.18

of Operating Expenses Personnel expenses (Including directors’ remuneration) Premises and equipment expenses Taxes and duties Other expenses V2 12/11/62 8 Impairment Loss of Loans and Debt Securities