while others are more familiar with traditional savings deposit. Some prefer short term, fixed return products while others are drawn to giveaways and complimentary gifts or neglect details of the

like Russia and India will be a complimentary strategic fit with IVL’s current high value added (HVA) portfolio where it already has a well-established and strong presence. 8. Source of Funds The

investment in last year. The Company maintained healthy financial position and sturdy debt service capacity with interest-bearing debt-to-equity ratio of 0.56 times. 2019 Outlook Company maintains 2019 outlook

backlog was THB 16,745mn, decreasing by 6.9% as compared to the end of 2018 of THB 17,981mn. Although the JVs had sturdy sales in The Line Wongsawang, The Line Ratchathewi and The Line Phahonyothin Park

healthy financial position and sturdy debt service capacity with interest-bearing debt-to-equity ratio of 0.10 times. 2018 Outlook Maintain 2018 forecast, yet adjust down new hotels opening • Despite Boat

liquidity ratio was 1.35 times. The Company maintained healthy financial position and sturdy debt service capacity with interest-bearing debt-to-equity ratio of 0.09 times. 2019 Outlook 2018 was the final

and small business loan. Although, the non-performing loans affected profitability, but the Thai commercial banking system still remained sturdy. Credit Rating Land and Houses Bank Public Company

loan. Although, the non-performing loans affected profitability, but the Thai commercial banking system still remained sturdy. Credit Rating Land and Houses Bank Public Company Limited is assigned the

was Bt18,051mn and we also paid for spectrum license fee to the NBTC totaling Bt16,384mn. As a result, free cash flow for 9M21 was Bt30,264mn (OCF less CAPEX and spectrum license). With strong free cash