average Total Equity Yours faithfully, Mr. Hiroaki Sano Managing Director Financial Ratios Q3 2018 Q3 2017 Gross profit margin 20.2% 17.7% Net profit margin 11.9% 7.4% Debt to Equity ratio 0.14 0.12
% 11.9% Debt to Equity ratio 0.09 0.14 Earnings per share 0.90 0.53 ROA 19.6% 12.9% ROE 21.4% 13.5% Gross profit margin = Gross Profit (Total Sales – Costs of Sales) to Sales Net profit margin = Net Profit
margin 25.3% 18.1% Net profit margin 17.6% 11.9% Debt to Equity ratio 0.17 0.10 Earnings per share 0.66 0.46 ROA 13.1% 11.0% ROE 14.0% 10.9% Gross profit margin = Gross Profit (Total Sales – Costs of Sales
2,642 2,270 373 16.4 Interest on interbank and money market items 155 118 38 32.1 Interest on debt issued and borrowings 1,237 1,031 206 19.9 Fees and charges on borrowings 20 6 14 247.7 FIDF and DPA fees
market items 136,862 133,253 133,584 2.7% 2.5% Debt issued and borrowings 116,348 132,543 107,190 (12.2)% 8.5% Total liabilities 2,703,591 2,682,235 2,674,303 0.8% 1.1% Shareholders’ equity * 412,814
, 2018 Dec 31, 2017 Baht million % Interest expense 5,033 4,216 817 19.4 Interest on deposits 2,642 2,270 373 16.4 Interest on interbank and money market items 155 118 38 32.1 Interest on debt issued and
% Interest expense 1,224 1,030 194 18.9 Interest on deposits 609 582 28 4.8 Interest on interbank and money market items 35 30 6 19.3 Interest on debt issued and borrowings 337 223 114 50.9 Fees and charges on
18.9 Interest on deposits 609 582 28 4.8 Interest on interbank and money market items 35 30 6 19.3 Interest on debt issued and borrowings 337 223 114 50.9 Fees and charges on borrowings 2 1 1 81.9 FIDF
1,043 247 23.6 Interest on deposits 694 586 108 18.5 Interest on interbank and money market items 36 29 6 21.0 Interest on debt issued and borrowings 304 229 76 33.0 Fees and charges on borrowings 3 2 1