baht or 4% from 87,121 million baht as of February 28, 2019. The main assets were attributed to the portfolio of net account receivables which shared 90% of total assets. - Accounts Receivable The

increased, with the amount collected from bad debt written off which was recorded as revenue of 20 million Baht. The overall NPL ratio of the Company was 4.44% in Q2 of 2019. In the operational direction for

80,771 million baht as of February 28, 2018. The main assets were attributed to the portfolio of net account receivables which shared 91% of total assets. - Accounts Receivable The Company had gross

2017 the Company organized such event in the fourth quarter (during November), resulting in a decrease in net profit ratio (ROS) from 20.16% in 2017 to 17.16% in 2018, for the same period. The total

482mn mainly due to the aforementioned consolidation which was the main driver in increasing the cost-to-sales ratio from 57.8% to 64.5% in this quarter. VGM’s cost structure is higher than MACO’s

Margin -17.27% -1.18% Net Profit Margin -98.99% -121.11% Debt to Equity Ratio (Time) (16.47) 3.18 Total Expenses Summary of the Annual Operating Result as ended 31 December 2019 Construction Income In 2019

320.85 Million Baht or 180.58 percent in comparison with the same quarter of 2019. The higher revenue was attributed from subsidiary company called Advance Prefab Company Limited. The main business of the

BIS ratio will increase to 17.95% while Tier-1 ratio will be 14.80%. 11 Business Segment Performance The Kiatnakin Phatra Financial Group (“the Group”) business is divided into two main areas: the

BIS ratio will increase to 17.94% while Tier-1 ratio will be 14.79%. 11 Business Segment Performance The Kiatnakin Phatra Financial Group (“the Group”) business is divided into two main areas: the

main lime consuming sectors of the industry continue to expand: the sugar cane harvest will be flat compared to last season which was a record year. The steel industry will continue to grow but at a