mostly unrealized and incurred from the appreciation in the Baht currency in the quarter. Finance cost was Bt1,194mn decreasing 7.5% YoY and 1.9% QoQ following lower interest-bearing debt. Average cost of
Development Fund 2,415 2,331 2,305 3.6% 4.8% 4,746 4,586 3.5% Debt issued and borrowings 1,663 1,682 1,703 (1.1)% (2.3)% 3,345 3,411 (1.9)% Total interest expenses 9,646 9,372 9,982 2.9% (3.4)% 19,018 19,792
660 466 6.Fixed Asset Turnover Times 2.5 2.7 1.98 7.Asset Turnover Times 0.46 0.49 0.40 8.Debt to Equity Ratio Times 0.08 0.10 0.11 9.Gross Profit Ratio % 34.3 34.6 35.2 10.Net Profit Ratio % 11.2 13.2
32,845 5.6% Non-interest income 13,667 14,414 11,472 (5.2)% 19.1% 28,081 22,408 25.3% Operating expenses 13,376 12,594 12,846 6.2% 4.1% 25,970 23,925 8.5% Impairment loss of loans and debt securities 6,533
fully hedged. Finance cost was Bt4,777mn, decreased 7.2% YoY, due to the repayment of interest bearing debt approximately Bt15,000mn. At the end of FY19, the total amount of interest bearing debt was of
channels and lower fees from loan-related services. Impairment loss on loans and debt securities fell by Baht 2,244 million. Net Interest Income Million Baht Item Quarter Change (%) 1/2019 4/2018 1/2018 4
cost and other costs related to fixed broadband. • Depreciation and amortization was Bt464mn increasing 12% YoY due to shop expansion and renovation. • Bad debt was Bt2,199mn increasing 43% YoY following
increasing 45% mainly from increasing debt for TTTBB and JASIF acquisition and the lease liability from OFC rental contract obligation with JASIF. Interest-bearing debt stood at Bt127,244mn, increasing by 51
result of a decrease in interest expenses on deposit due mainly to a declined in cost and volume of fixed deposits, and a decrease in interest expenses on debt issued and borrowings from the early
net loss of Bt129mn in 1Q18. The gain was incurred from partially-hedge CAPEX payables following currency fluctuation. Finance cost was Bt1,290mn decreasing 2.6% YoY from lower interest-bearing debt and