% 2.2% 29.9% 27.2% (2.7%) Net profit margin1 (%) 17.7% 8.1% (9.6%) 19.7% 7.1% (12.6%) Number of branches as at Dec 312 38 39 3% 38 39 3% 2019 2020 Change +/(-) Change +/(-) Q4/19 Q4/20 Operating highlight
baht/kg, an increase from the previous year at 10.00 baht/kg, mainly due to the decline in the CPO stock from the level of 400,000 tons into the level of lower than 200,000 tons caused by exporting CPO
provident fund committee the following matters: (1) the reason for determining such investment policy which shall at least take into account the best interest of the client; (2) a conflict of interest that
deposits at financial institutions 536.3 435.6 100.7 23.1 Investment property (net) 122.8 210.7 (87.9) (41.7) Property, plant and equipment (net) 10,637.0 10,261.3 375.7 3.7 Advance payments for
Receivables under finance lease 3,555.8 3,385.2 170.6 5.0 Inventories 777.8 531.6 246.2 46.3 Restricted deposits at financial institutions 329.8 435.6 (105.8) (24.3) Investment property (net) 122.8 210.7 (87.9
and other receivables 1,225.4 1,432.4 (207.0) (14.5%) Receivables under finance lease 3,424.3 3,400.9 23.4 0.7% Inventories 1,033.1 957.4 75.7 7.9% Restricted deposits at financial institutions 476.7
maintained at 37.6% as expected. The operating and administrative expenses accounted for 47% of total expenses. - Expected Credit Loss The consolidated expected credit loss in 9M/2023 amounted 5,942 million
%) Receivables under finance lease 3,333.5 3,400.9 (67.4) (2.0%) Inventories 1,059.0 957.4 101.6 10.6% Restricted deposits at financial institutions 445.0 397.6 47.4 11.9% Investment property (net) 123.8 123.8
%, increasing from 2.64% at the end of last year, due to the announcement of the Monetary Policy Committee (MPC) to increase the policy interest rate from 0.50% in 2022 to 2.50 as of November 2023 and the rate
its efficiency in operating and administrative expenses well through the Digitalization process in the future. The separate financial statements has cost-to-income ratio at 38.3%, as there are