Governance Project" of the Securities and Exchange Commission (SEC). An English version of the MD&A has been prepared from the Thai version. In the event of a conflict or a difference in interpretation between
+ A1 A2 A3 Aaa P1 P2 P3 AAA F1+ F1 F2 F3 Very strong capacity for payment of financial commitments - a minimal difference compared With AAA AA+ AA AA- Aa1 Aa2 Aa3 AA+ AA AA- Strong capacity for payment
Project" of the Securities and Exchange Commission (SEC). An English version of the MD&A has been prepared from the Thai version. In the event of a conflict or a difference in interpretation between the two
)% (4.6)% 35,330 33,009 7.0% Earnings per share (Baht) 4.24 4.73 4.45 (10.3)% (4.6)% 18.51 17.29 7.0% Net interest margin 2.46% 2.42% 2.31% 0.04% 0.15% 2.40% 2.32% 0.08% Net fees and service income to
(Baht) 4.45 4.28 4.33 4.1% 2.8% 17.29 16.67 3.8% Net interest margin 2.31% 2.30% 2.36% 0.01% (0.05)% 2.32% 2.34% (0.02)% Net fees and service income to operating income ratio 27.3% 23.2% 22.9% 4.1% 4.4
% 2,383 4,212 77% Gross profit margin (%) 30% 29% 31% 1% 2% 29% 30% 1% Net profit margin (%) 5% 9% 10% 5% 2% 7% 11% 4% Adjusted Net Income margin (%) 7% 11% 12% 5% 2% 8% 12% 3% Notes: 1. Since Q1/2020
ลา้นบาท ขยายตวัรอ้ยละ 4.1 เป็นผลมาจากการด าเนินงานทีเ่ตบิโต อยา่งแขง็แกรง่และการไดร้บัประโยชน์จากการซือ้กจิการ TTTBB โดยทีอ่ตัรา การท าก าไร EBITDA Margin ยงัคงแขง็แกร่งทีร่อ้ยละ 49 จากการมุ่งเน้นไป ที