of money and capital markets, and TFRS 9 impacts from reclassification and remeasurement of investments. However, net interest income increased Baht 2,512 million, or 9.82 percent, due to loan growth

Group’s total liabilities are Baht 6,364 million, increased by Baht 935 million or 17% compared to the total liabilities as at 31 December 2017 of Baht 5,429 million. It results from the increase of short

Million Baht. Moreover, the Group has Bank overdrafts and short-term bank borrowings as at 31 December 2018 amounting to 59.18 Million Baht for working capital (already repayment during January 2019

was mainly due to the decrease of short-term loans from banks and trade account payables. Shareholders’ equity Total shareholders’ equity as at 31 March 2019 were Baht 2,616 million, a decrease of Baht

1,536.12 156.67 10.20% Liabilities and shareholders’ equity Current liabilities Bank overdrafts and short-term bank borrowings 73.64 - 73.64 100.00% Trade and other payables 521.10 385.98 135.12 35.01

. For repayment of short-term loans in the amount of 15 million Baht, 2. For working capital in the amount of 289,482,430 Baht. The new objective is to use working capital to invest in a new business

in year 2017 the company had received an interest from short term investment Baht 1.0 million. 2. Cost of sale , Profit margin In year 2017 the company had cost of sale Baht 333.48 million compare with

liabilities were higher resulted from an increase in short-term loans from financial institutions for the use of the Company’s working capital as well as current portion of long-term loans from the Company’s

investments and loans. Meanwhile, NPL to total loans stood at 3.53 percent, while coverage ratio was equal to 153.58 percent. At the same time, capital adequacy ratio (CAR) of KASIKORNBANK FINANCIAL

in short-term loans from financial institutions to use as working capital and invest in new projects as per plan of the Company (Bridging finance). • Non-Current Liabilities decreased by Baht 154