than loans, liquidity in the commercial banking system increased from the end of last year. Meanwhile, loan quality, measured by the ratio of non-performing loans (NPLs) to total loans, continued to

สารสนเทศ (operations security) 2.9 การรักษาความมัน่คงปลอดภยัดา้นการส่ือสารขอ้มูลสารสนเทศผา่นระบบเครือข่าย คอมพิวเตอร์ (communications security) 2.10 การจดัหา พฒันา และดูแลรักษาระบบสารสนเทศ (system

and the shareholders structure is as follows. # Shareholder No. of shares % 1 Mrs.Chawpech Pisutthanan 494,400 98.88 2 Mr. Sathit Sengsomwong 2,800 0.56 3 Mr. Thanawis Pisutthanan 2,800 0.56 Total

million, divided into 50,000 ordinary shares , par value THB 100 and the shareholders structure is as follows. # Shareholder No. of shares % 1 Mrs.Chawpech Pisutthanan 494,400 98.88 2 Mr. Sathit Sengsomwong

and an executive of the Company. SUTGH does not have a plan to delist the Company’s shares from the SET, neither a policy to change a management plan, organization structure, or a business financial

) (%) 6.58% 5.92% Capital Structure and Debt Ratio Debt to Equity ratio (time) 0.91 0.84 Debt Service Coverage ratio (DSCR) (time) 2.25 2.21 Note: 1) Gross profit and Net profit were excluded construction

million baht. Details of each business can be described as follows: Revenue Structure 9M/2019 - Credit Card For the first nine months of 2019, credit cards turnover accounted 63% of total turnovers with

% Return on Assets (ROA) (%) 7.37% 6.53% Capital Structure and Debt Ratio Debt to Equity ratio (time) 0.99 0.92 Debt Service Coverage ratio (DSCR) (time) 2.47 2.25 Note: (1) Gross profit and Net profit were

shareholders of Baht 163 million and dividend paid to non-controlling interest of one of the subsidiaries of Baht 109 million. The appropriate of capital structure The Group’s debt to equity ratio as at 30 June

mainly from the recognition of billboard structure of THB 147mn, an increase in work in process of LED screens installation of THB 127mn and the recognition of COMASS’s assets after consolidation of THB