A CRA should assist investors and other users of credit ratings in developing a greater understanding of credit ratings by disclosing in plain language, among other things, the nature and limitations

44.54 115% Q4 2019 Q4 2018 FY 2019 FY 2018 Return on Equity (ROE) -7.02% 15.28% 1.33% 14.45% Return on Assets (ROA) -2.72% 7.38% 0.51% 6.98% Return on Fixed Assets (ROFA) 11.83% 26.84% 17.72% 29.17% Debt

2,293 Million and payment of interest and finance cost in the amount of Baht 1,630 Million. Significant Financial Ratios* Description Unit 2019 2018 Net Profit Margin ratio % 18.66 20.35 Return on Equity

% Average collection period7 (days) 62 70 Return on equity3 (%) 21.2% 15.7% Payable days (days) 68 103 Efficiency Ratios Leverage Ratios Return on assets4 (%) 19.5% 13.1% Liability to Equity (times) 0.5 0.6

that have been or will be sold ; (2) to enable the borrower or other persons to return the securities previously borrowed; (3) to enable the borrower or other persons to fulfill any obligation in

the borrower or other persons to return the securities previously borrowed; (3) to enable the borrower or other persons to fulfill any obligation in accordance with the category or characteristic as

deliver securities that have been or will be sold ;1 (2) to enable the borrower or other persons to return the securities previously borrowed; (3) to enable the borrower or other persons to fulfill any

% Quick ratio6 (times) 1.5 1.5 Net profit (from operation) (%) 18.4% 6.4% Account receivable turnover (times) 2.6 3.8 Net profit (after MI) 2 (%) 19.1% 5.4% Average collection period7 (days) 139 95 Return

, plant and equipment Mr. Geza Perlaki Mr. Krishnan Subramanian Aylur Authorized Director Authorized Director Q1 2019 Q1 2018 FY 2019 FY 2018 Return on Equity (ROE) 12% 14% 12% 14% Return on Assets (ROA) 5

2018 Return on Equity (ROE) 0% 19% 7% 17% Return on Assets (ROA) 0% 9% 3% 8% Return on Fixed Assets (ROFA) 16% 37% 21% 33% Debt/Equity Ratio 1.59 1.45 1.59 1.45 Net Debt/Equity Ratio 1.25 1.11 1.25 1.11