company’s cost of sales and services in the amount of Baht 344.59 million or 75.89 percent of its revenue from sales and services. The percentage of cost of sales and service income decreased compared to the

cost of sales and services in the amount of Baht 400.04 million or 82.55 percent of its revenue from sales and services. The percentage of cost of sales and service income increased compared to the same

– measured as a percentage of total risk-weighted assets. It also requires a capital conservation buffer in addition to minimum capital adequacy ratios, phasing in an additional capital ratio of more than

less than 8.50 percent – measured as a percentage of total risk-weighted assets. The BOT also requires a capital conservation buffer, phasing in an additional capital ratio of more than 0.625 percent p.a

. However, the percentage of selling and administrative expenses to revenue was 20.8% for this year, which was lower than 22. 9% of the previous year. Besides, the Company recorded a higher depreciation

than 4.50 percent, the Tier 1 ratio at no less than 6.00 percent, and the total capital ratio at no less than 8.50 percent – measured as a percentage of total risk-weighted assets. It also requires a

the Common Equity Tier 1 ratio at no less than 4.50 percent, the Tier 1 ratio at no less than 6.00 percent, and the total capital ratio at no less than 8.50 percent – measured as a percentage of total

Tier 1 ratio at no less than 6.00 percent, and the total capital ratio at no less than 8.50 percent – measured as a percentage of total risk-weighted assets. It also requires a capital conservation

Ratio 2018 Ratio Increase / (Decrease) Amount Ratio Service income 2,220.88 100.00% 1,832.11 100.00% 388.77 21.22 Cost of service 1,868.61 84.14% 1,454.70 79.40% 413.91 28.45 Gross Profit 352.27 15.86

the year ended 31 March 2019 Ratio 2018 Ratio Increase / (Decrease) Amount Ratio Service revenue 480.92 100% 385.75 100% 95.17 24.67 Other income 2.06 0.43% 1.43 0.37% 0.63 44.08 Cost of service 404.10