Income Ratio (percent) 40.32 39.44 0.88 41.54 (1.22)  Impairment Loss on Loans and Debt Securities During the second quarter of 2017, KBank and our subsidiaries had Baht 10,626 million of impairment loss

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

domestic and international businesses. The same store sales of the domestic restaurants under brand “S&P” decreased by 0. 8 percent while the same store sales of the S&P bakery shop decreased at the rate of

แบบแสดงรายการข้อมูลการเสนอขายตราสารหนี้ Form 69-FD-MTN Form 69-FD-MTN : Use for Offers for Sales of Debt Securities under Medium Term Note Program (MTN Program) Part 1 : Form 69-FD-BASE is the

for consideration of approval as follows:   (1) A waiver in the case where the bond issuer is unable to maintain an interest bearing debt to equity ratio not exceeding 3:1, as reflected in the

) 37 42 Inventory Turnover Period (Days) 17 19 Average Payable Period (Days) 17 18 Cash Cycle (Days) 37 43 Total Debt to Equity Ratio (Times) 0.51 0.51 Interest Coverage Ratio (Times) 130.33 72.99 Debt

end of 2017. The Company’s debt to equity ratio was 1.59 times while the interest bearing debt to equity ratio was 1.29 times. Management Discussion and Analysis Q1/2018 Page 4/4 JAS Asset Public

Ratio 12 Months 2019 12 Months 2018 Gross Profit Margin (%) 42.3 43.8 Net Profit Margin (%) 4.3 5.2 Return on Asset (%) 7.9 10.0 Return on Equity (%) 12.3 15.4 Current Ratio (Times) 1.7 1.6 Debt to Equity

million, up 20% YoY and 18% QoQ  CMG: Baht 623 million, down 26% YoY but up 25% QoQ  Sales ratio of Brand: CMG was 57:43, compared with 45:55 in Q4/2017. Sales Breakdown by Geography:  Domestic: Baht 965

Re: Reporting of Information Disclosure of Debt Securities Issuers After Offer for Sale of Debt Securities (Codified)