. The bank has provided the services in the various deposit accounts such as Saving Super Shield Account, Saving Deposit Account, Non-Fixed Deposit Account, Current Account, Fixed Deposits Account and Tax

% Efficiency Ratios Return on Equity (%) 15.44% 15.32% 17.67% Return on Assets (%) 10.87% 10.68% 12.25% Return on fixed assets (%) 82.27% 89.99% 116.94% Asset turnover times 1.14 1.09 1.06 Financial Policy

1: Debenture term is 3 years and fixed interest rate at 2.27% per annum (2) Tranche 2: Debenture term is 5 years and fixed interest rate at 2.57% per annum. The debentures have been rated A-(tha) by

(%) 5.69% 9.51% 9.80% Return on Equity (%) 8.82% 15.44% 15.32% Efficiency Ratios Return on Assets (%) 6.27% 10.87% 10.68% Return on fixed assets (%) 46.78% 82.27% 89.99% Asset turnover times 1.10 1.14 1.09

last year and also in fixed costs related to production maintenance cost increased due to the earlier than expected improvement projects on the kilns. However, maintenance has normalized and the average

Placement to institutional investors and high net-worth investors at the amount of 3,000 million baht comprise; (1) Tranche 1: Debenture term is 3 years and fixed interest rate at 2.37% per annum (2) Tranche

previous year, details as mentioned below. Any directors holding executive position and receive salary shall not receive any of the remuneration stated in the below table. Position Fixed Remuneration (Baht

due to last year the Company had long-term loans with financial institution in the amount of Baht 250 million for acquisition the subsidiary business with fixed interest rate at 3.75 percent per year

from investments in fixed assets of Baht 30 million; (2) other cash inflows from other investing activities of Baht 2 million.  Net cash received in financing activities of Baht 75 million, consisting

Baht 77 million  Net cash used in investing activities of Baht 31 million, comprising of (1) cash outflows from investments in fixed assets of Baht 21 million; (2) other cash inflows from other