, due to higher expenses related to human resources, sugar warehouse and transportation. Provision for doubtful debt and bad debts also increased. 5. Financial costs in 2017 increased Baht 16.0 million or

the financial risk perspective, despite the higher debt ratio stemming from increased loans and lower shareholder equity, the ratio was nonetheless at relatively low level. The interest coverage ratio

the result of continue growth in core business revenues that increased by 10% y-y, especially in personal loan and hire purchase products as well as a strong growth revenue from bad debt recovery by 42

debt collection service increased at 19.11% compared to the year 2017 because the employees has more experience in debt collection business which resulting in the improvement of the revenue as well as

result, the Company's debt to equity ratio increased from 1.46 times to 1.57. The company is considering extending its debt-to-equity ratio to the commercial banks. For the purpose of considering

sale of real estate decreased by THB 498.48 million or 33.19% This is because the slowdown of real estate business sector resulted from Loan to Value regulation or “LTV”. Moreover, the household debt has

dividend in May. As a result, the Debt to Equity ratio increased from 1.23 times to 1.45 times of last year. Panjawattana Plastic PCL. 28 Moo 2, Tumbol Chaimongkol, Amphur Muang, Samutsakhon 74000

Loan to Value regulation or “LTV”. Moreover, the household debt has been steadily increased in recent years which result to the strict in granting a loan to the borrower from many financial institutions

regulation or “LTV” since 2019. Moreover, the household debt has been steadily increased in recent years which result to the strict in granting a loan to the borrower from many financial institutions. As well

declined by THB 323.67 million or 32.26%. This is because the slowdown of real estate business sector resulted from Loan to Value regulation or “LTV” since 2019. Moreover, the household debt has been