rates of interest rates on credit card from 18% to 16% per annum and personal loan from 28% to 25% per annum, effective from August 1, 2020 onward. However, a change of customer behavior to be more
Concentration 2.5. NPAs Concentration by Region by Type 3. Key Financial Ratios 4. Forward Looking Statement 4.1. BAM’s Business Opportunity 4.2. COVID-19 Impact 4.3. Land and Building Tax 1. Key Highlights in Q2
shareholder’s equity stood at 1.55 million baht as ending of 31 December 2018 The Company debt to equity ratio stood at 1.55 times and the Interest-Bearing Debt ratio was 1.28 times. Forward Looking The Company
of net proceed from base offering in July and over-allotment proceed in August. This proceed would allow us to enhance our capital structure reflecting in net-interest- bearing debt to equity ratio as
% Administrative Expenses 14.7 8.2% 19.0 11.1% 4.3 29.3% Total Expenses 37.1 20.8% 43.3 25.2% 6.2 16.7% Earnings Before Interest and tax 9.8 5.5% 9.5 5.5% -0.3 -3.1% Finance Cost 13.3 7.5% 14.7 9.4% 1.4 10.5% Tax
equity ratio was 1.38 times while the interest bearing debt to equity ratio was 0.86 times. Forward Looking For the 2nd quarter of 2020, it is well known that due to the impact of the Covid-19 situation
% Core EPS after PERP Interest (THB) 0.85 0.67 1.31 (35)% 3.67 3.86 (5)% Core EBITDA/ton ($) 115 102 153 (25)% 119 132 (10)% Operating Cash Flow5 385 261 222 73% 1,172 855 37% Net Debt to Equity (times
MARKET) 0 Physical (กรณี forward) 110 ธนาคารแหงประเทศไทย (กรณี forward) 00 - NONE 112 Local Interest Index 001 - ตลาดหลักทรัพยแหงประเทศไทย (SET) 1 Cash 121 ธนาคารพาณิชยจดทะเบียนในประเทศ 01 - TRIS 113
instruments and the contractual cash flow characteristics of the instruments . The group designed certain derivatives as follows: a) Fair value hedge, the change in fair value of a forward contract, which is
instruments and the contractual cash flow characteristics of the instruments . The group designed certain derivatives as follows: a) Fair value hedge, the change in fair value of a forward contract, which is