while also improving efficiency in the Conglomerate’s risk and reserve management as well as capital adequacy and liquidity position assessment for improvement of the Conglomerate’s forward-looking and

have to prioritize asset quality management while also maintaining prudent credit underwriting policies, along with cost efficiency and expansion of customer base and income by providing financial

streamline processes and reduce costs of the bank related to documentation or approval and enhance business efficiency.  Relaxation of Rules and Practices for Measures to Prevent Thai Baht Speculation The

-term loans and the increase in shareholders' equity from net profit. Return on assets was 14.3%, increased from the previous year from asset management to earning more efficiency. Return on equity was

% Efficiency Ratios Return on Equity (%) 15.44% 15.32% 17.67% Return on Assets (%) 10.87% 10.68% 12.25% Return on fixed assets (%) 82.27% 89.99% 116.94% Asset turnover times 1.14 1.09 1.06 Financial Policy

(%) 5.69% 9.51% 9.80% Return on Equity (%) 8.82% 15.44% 15.32% Efficiency Ratios Return on Assets (%) 6.27% 10.87% 10.68% Return on fixed assets (%) 46.78% 82.27% 89.99% Asset turnover times 1.10 1.14 1.09

increasing production efficiency. Costs and Expenses of Sale and Administration Transaction For the Year ended 31st December (Unit: Million Baht) Year Increase (Decrease) 2017 2016 Amount % Costs from Sale

the same period last year. Due to the adjustment the business strategy to focused on the large project. And the quality of service and products which support the needs of the customers as efficiency. As

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result of the decrease in equity. Return on assets was 16.8%, increasing from previous, as a result of the increase in asset utilization efficiency. Return on equity was 48.0% increasing from previous, as