marketing cost related to the residential project as compared to Q1 2018 The Company recorded negative earnings before interest and taxes of 189 million Baht (24% of total revenue) or decreased by 95% as

94.77 182.18 91.48 (177.04) (49.28) Other income/1 19.78 5.23 16.95 8.52 (2.83) (14.31) Total revenue 379.00 100.00 199.13 100.00 (179.87) (47.46) Notes: /1 Other income comprises mainly of interest

development business. The Company recorded negative earnings before interest and taxes of 584 million Baht (120% of total revenue) in contrast to the 2Q 2018 with profit before finance cost and income tax of

of 2017, mainly driven by an increase in Retained Earnings. As at 30 September 2018, the Company’s Debt-to-Equity ratio was 0.72x, increased from 0.70x at the end of 2017, while the Net Interest

comprises mainly of interest income and services revenue Table 2 : Sales Revenue by Product Line for the Nine Months period ended 30 September (9M YoY) Sales by geography Consolidated financial statements

ceiling rates of interest rates on credit card from 18% to 16% per annum and personal loan from 28% to 25% per annum since August 1 last year as well as the announcement of temporary lockdown in July and

came from both an increase of Baht 468 million, or 2.93 percent in non-interest income, which was derived mainly from revenue from capital market products and rising net fees and service income, and an

associated companies comparing to 2017. The consolidated net profit margin in 2018 was 6.24% of net sales, decreased from 9.82% in 2017. Earnings Before Interest, Tax, Depreciation and Amortization (EBITDA

aim to strengthen the financial status, reduce the burden of interest payment and improve financial ratios. The total debt amount that will be restructured is USD 242.53 million which part of the debt

revenue from sales and lower cost of sales comparing to 2016. The consolidated net profit margin in 2017 was 10.33% of net sales, improved from 9.85% in 2016. Earnings Before Interest, Tax, Depreciation and