than CPO price at the time of delivery. As a result, the difference in raw material prices to the sales price at the date of manufacture and delivery of product to decrease. The Company possible to

decrease. However, the Company possible to generate profit from this business unit since there were Made to Order so that the Company can control margin and CPO’s price fluctuation. But, unfortunately the

and expanding capacity to support possible increase in trading volume in the future, provided that the rules and guidelines for prioritizing and matching trading orders are disclosed; (2) procure an

481.9 1.4 Capital Adequacy and the Ratio of Capital Fund to Risk Assets As of 31 December 2018, the ratio of total capital fund to risk assets (BIS ratio) at 20.045%, higher than the 10.375% minimum rate

Adequacy and Capital Ratio As of 31 December 2019, the ratio of total capital fund to risk assets (BIS ratio) at 19.265%, higher than the 11.000% minimum rate required by the Bank of Thailand and decreased

13.757%, higher than the 9.750% minimum rate required by the Bank of Thailand and increasing from 31 December 2016 at 13.706%. The ratio of Tier I capital fund to risk assets was 10.277%, higher than the

% minimum rate required by the Bank of Thailand and increasing from 31 December 2016 at 13.706%. The ratio of Tier I capital fund to risk assets was 10.277%, higher than the 7.250% minimum rate required by

loan loss reserves to minimum required provisioning 188.2% 194.4% 205.0% (6.2)% (16.8)% Ratio of loan loss reserves to NPLs 151.2% 160.0% 173.6% (8.8)% (22.4)% Non-performing loans (NPLs) at the end of

23.054%, higher than the 9.750% minimum rate required by the Bank of Thailand and increasing from 31 December 2016 at 13.706%. The ratio of Tier I capital fund to risk assets was 19.690%, higher than the

% Ratio of net NPLs to net total loans 1.2% 1.1% 0.9% 0.1% 0.3% Ratio of loan loss reserves to minimum required provisioning 194.6% 188.2% 205.0% 6.4% (10.4)% Ratio of loan loss reserves to NPLs 154.0