interest margin 2.48% 2.46% 2.34% 0.02% 0.14% Net fees and service income to operating income ratio 23.9% 24.3% 24.1% (0.4)% (0.2)% Expense to operating income ratio 42.6% 56.2% 39.9% (13.6)% 2.7% Return on
18 (22) 49 18 174% Total tax on Inventory gains/(losses) (1) (3) 1 (5) (4) 13% Net profit, before extraordinary items 242 190 89 173% 708 374 89% Add: Non Operational/Extraordinary income/(expense) 17
118 million. (Separate: Baht 4 million for the year 2018 and Baht 298 million for the year 2017). Major factor come from the significant decrease of sale volume of the Company. Administrative expense
)% (40) 17 (328)% Total tax on Inventory gains/(losses) 3 8 (3) (214)% (1) (2) (35)% Net profit, before extraordinary items 93 51 190 (51)% 700 555 26% Add: Non Operational/Extraordinary income/(expense
EBITDA less Inventory gains/(losses) 4Core Net Profit is Reported Net Profit less Inventory gains/(losses) one-time extraordinary items 5Operating Cash Flow is after change in net working capital and cash
holding segment 3Core EBITDA is Reported EBITDA less Inventory gains/(losses) 4Core Net Profit is Reported Net Profit less Inventory gains/(losses) one-time extraordinary items 5Operating Cash Flow is after
discount was provided to those being impacted by measures to contain COVID-19. Still, the discount did not significantly drag gross profit margin down due to reduction in advertising and marketing expense
% Net interest margin 2.33% 2.34% 2.31% (0.01)% 0.02% 2.34% 2.33% 0.01% Net fees and service income to operating income ratio 21.3% 24.1% 22.7% (2.8)% (1.4)% 22.7% 23.7% (1.0)% Expense to operating income
income ratio 21.2% 21.3% 23.2% (0.1)% (2.0)% 22.2% 23.5% (1.3)% Expense to operating income ratio 43.5% 42.8% 41.9% 0.7% 1.6% 42.1% 42.8% (0.7)% Return on average assets * 1.14% 1.16% 1.06% (0.02)% 0.08
income, and gains from foreign exchange, and the increase in other income is mainly attributable to the increase in unrealized gain from foreign exchange, which is not related to the Company’s core