equity ratio was 1.38 times while the interest bearing debt to equity ratio was 0.86 times. Forward Looking For the 2nd quarter of 2020, it is well known that due to the impact of the Covid-19 situation

segments, we focus on creating innovations and managing financial products, as well as reinforcing our sales and service quality excellence, with greater consideration of consumer protection in order to

2/2018 3/2018 Current ratio 0.54 0.53 0.51 Debt to Equity ratio 2.28 2.35 2.47 Interest Bearing Debt ratio 1.00 1.17 1.21 Return on Asset 18.0% 13.6% 13.9% Return on Equity 46.8% 44.4% 46.0% Financial

Financial Ratio Quarter Quarter Quarter 3/2018 2/2019 3/2019 Current ratio 0.51 0.61 0.57 Debt to equity ratio 2.47 1.84 1.95 Interest bearing debt ratio 1.21 0.79 0.87 Return on asset 13.9% 15.5% 15.6

financial discipline with its interest-bearing debt to total equity ratio not exceeding 1 time. Table 4: Financial Position (1)Investment Properties are booked at cost and depreciated with the straight-line

) 1.54 0.57 0.97 Debt/Equity ratio (Times) 1.56 7.28 5.72- Consolidated financial information Page 18 of 19 Gross profit margin increased from 13.44% to 15.63% due to recognition of operating results of

to the allowances for bad debt and doubtful accounts of the bank are adequate as seen from high proportion of loan loss reserves ratio is at 186.65%. Earnings per share for the second quarter and the

payment and net profit(loss) during the year. Financial Ratio Financial Ratio As of December 31, 2019 As of September 30, 2020 Liquidity Ratio (times) 23.97 20.92 Debt to Equity Ratio (times) 0.04 0.07

conversion in the Extraordinary General Meeting number 1/2017, the company now has better financial status which can be seen from the lower D/E Ratio from 0.38 times in the second quarter to 0.24 times in this

yoy. Cost-to-income ratio excluding loss from sale of foreclosed assets and loss from revaluations stood at 46.4% for 3Q18 comparing to 45.9% during 3Q17. Impairment loss on loans and debt securities