financial statement as follow: Asset: Investments in associated company declined THB 54 million Shareholder’s equity: Retained Earnings declined THB 38 million None controlling interest declined THB 16

impairment loss on loans, in line with our improved asset quality. Moreover, net interest income rose Baht 4,377 million or 4.65 percent, which was derived mainly from interest income from both loans and

not exceeding 10 percent of such fair price and the price must be in the best interest of the Company and the shareholders. assign the Board of Directors and/or Management committees and/or the

, calculated from the enterprise value of SGAH. The enterprise value is derived from the ratio of enterprise value to earnings before interest, taxes, depreciation, and amortization for the fiscal years ended 31

SGAH, calculated from the enterprise value of SGAH. The enterprise value is derived from the ratio of enterprise value to earnings before interest, taxes, depreciation, and amortization for the fiscal

on Assets (%) 4.78 3.95 6.33 Return on Fixed Assets (%) 36.41 30.95 36.84 Asset Turnover (Times) 1.04 1.11 1.07 FINANCIAL POLICY RATIO Debt to Equity Ratio (Times) 0.26 0.27 0.27 Interest Coverage

not less than three-fourths of the total votes of shareholders attending the meeting and having the right to vote, excluding the votes cast by shareholders having an interest in the matter from the

-bearing debt to equity ratio stood at 0.37 times, equal to the ratio at the end of 2018, Although the Company has higher interest-bearing debt amount, the Company also recognized higher retain earnings at

compared to the year before. Net interest income increased by Baht 4,150 million or 4.21 percent due mainly to interest income from loans and investments. Net interest margin (NIM) therefore stood at 3.31

for the principal repayment period no longer than six months at the interest rate of 12.5 percent per year. The GJS Board of Directors approved the loan proposal on 16 March 2017. The GJS Board