decreased of Baht 7.16 million due to agent fee of mutual fund and private fund managements from the subsidiary (Solaris) decreased.  The Company recorded reserve impairment loss from investment of Baht 6.00

Company recorded reserve impairment loss from investment of Baht 6.00 million in Thanh Cong Securities Joint Stock Company (Thanh Cong) whereas the Company had reversal impairment loss of investment in

climbed up to 20 cent/lb then dropped sharply to 14 cent/lb during last quarter of the year due to funds speculation and global sugar supply forecasted to be surplus in 2018. As a result, the Company

. Total expenses increased of Baht 105.79 million mainly from:  The Company recognized reserve impairment loss from securities of Baht 111.43 million which can be summarized as follows :- - Reserve

5.7 4.3 3.5 3.8 18.5 1.9 NPLs/ Total Loans (excluding interbank) 4.7 4.5 4.2 4.1 4.1 4.1 Total loan loss reserve/ Total NPLs (coverage ratio) 110.9 113.8 115.6 114.8 114.8 114.1 Total loan loss reserve

/ Total loans (excluding interbank) 4.0 Total loan loss reserve/ Total NPLs (coverage ratio) 1 114.1 113.2 110.1 111.2 111.2 115.9 1 Excluding loans classified as Purchased or originated credit impaired

, connected transaction, omission of the dividend payment, issue of warrants to existing shareholders by way of rights issue, the allotment of new shares to reserve for the exercise of the warrants and the

million therefore has a gain on reserve. - Administrative expenses for the year of 2019 increased by 6.34% due to the penalty tax of customs of 2014 and 2015 of Baht 6.33 million, new law changed of long

to the company received tax refund of year 2016 from the Revenue Department of Baht 1.57 million therefore has a gain on reserve. - Administrative expenses for the third quarter of 2019 decreased by

rates during 1Q20. Interest expense totaled Baht 1,301 million, a decline of 6.1% yoy, with cost of funds declining to 2.0% for 1Q20 comparing to 2.3% for 1Q19 from effective cost management in line with