large corporates continued to expand but by less than expected due to greater competition. Demand for loans from the consumer sector increased from housing and auto-leasing, while credit card and other
previous year. The profitability of methyl ester was pressured by stiffen competition with increasing supply in Thailand. Additionally, the declining of palm oil price and the falling global glycerine price
below-the-expectation sales in other product categories due to the strong competition and becoming another stable sources of revenue in the future. - Translation - Page 6 of 11 Gross profits margin by
base and to reduce impact of high competition from lower population under educational age. In 2Q19, EBITDA from education business was negative by THB 12 million, a decrease of 9.1% yoy, due to decrease
revenues from the manufacturing business accounted for only 4.4 - 9.6 percent of the total revenues as a result of a more intense competition, particularly a more variety of imported products with relatively
installment value includes outstanding loan as per restructured agreements 5.2.2 Purchase of NPLs /NPAs and Market Competition The Company believes that the cumulative amount of NPLs in the system, coupled with
/NPAs and Market Competition The Company believes that the cumulative amount of NPLs in the system, coupled with those that arise from the COVID- 19 outbreak, will put some pressure on financial
common control basis. 2017 2018 2017 2018 Profitability Ratios Liquidity Ratios Gross profit 1 (%) 58.3% 48.5% Current ratio (times) 1.4 1.5 Operating EBITDA (%) 36.5% 25.4% Quick ratio6 (times) 1.4 1.5
31-Dec 2018 (Restated) 31-Dec 2019 Profitability Ratios Liquidity Ratios Gross profit 1 (%) 46.9% 35.6% Current ratio (times) 1.6 1.3 Operating EBITDA (%) 26.0% 15.5% Quick ratio6 (times) 1.6 1.3 Net