adequacy ratio of the Bank and its subsidiaries would be 18.71 percent, 17.19 percent and 17.19 percent, respectively. These capital adequacy ratios are above the Bank of Thailand’s minimum capital

. Global Green Chemicals Public Company Limited Management Discussion and Analysis | 17 Key Financial Ratios Exhibit 10 : Key Financial Ratios comparison of FY2019 and FY2018. Key Financial Ratio FY2019

commercial banks registered in Thailand and members of their financial groups to maintain minimum levels of capital adequacy as measured by three ratios, including the Common Equity Tier 1 ratio at no less

profit and operating profit ratios mainly comes from 1.) higher cost of rental and services at CentralPlaza Rama 2 following the land lease extension; 2.) higher utility cost driven by higher electricity

Operating Results 3.2. Cash Collection from NPLs and NPAs Management Businesses 3.3. NPLs by Portfolio Concentration 3.4. NPAs Concentration by Region by Type 4. Key Financial Ratios 5. Forward Looking

ratios Annualized Ratios 3Q20 2Q20 1Q20 3Q19 9M20 9M19 Net Profit (Baht million) 1,347 1,184 1,484 1,610 4,015 4,309 ROAE (%) 12.2 11.1 13.8 15.2 12.0 13.6 ROE (%) 12.4 11.3 13.5 15.3 12.2 13.6 ROAA

Concentration by Region by Type 4. Key Financial Ratios 5. Forward Looking Statements 5.1. BAM’s Business Opportunity 5.2. COVID-19 Impact IMPORTANT DISCLAIMER The information contained in this document has been

Flow spent for financing activities of THB 20 million , which was from long-term loan interest payment. Key Financial Ratios Exhibit 9 : Key Financial Ratio comparison of 1Q2018 vs. 1Q2017 vs. 4Q2017

38.85 50.34 -11.49 -23% Golden Lime Public Company Limited 8 MANAGEMENT DISCUSSION AND ANALYSIS FOR PERIOD ENDED 31 DECEMBER 2018 4. Financial Ratios Note: Net Debt = Interest bearing liabilities – cash

ended September 30, 2019 respectively. The main reason of the reduction of those ratios is the company and its subsidiaries have debenture which is to be redeemed within July 2020 then this debenture has