Mobile Business Accessories Revenues Accessories Revenues Unit: MB 100 89 Sales 82 79 78 77 76 Margin 75 80 72 72 66 65 63 63 62 62 60 51 27 27 24.5 46 43 22 22 21 21 20 20 20 19 40 18 17 17.4 17 15 14 13 20 0 Jaymart Public Company Limited 26
Mobile Business Operators Revenues Mobile Operator Revenues Unit: MB 25 25 23 21 20 19 19 19 18 18 17 16 14 11 11 9 8 6 Jaymart Public Company Limited 27
Mobile Business Ancillary Revenues: Enjoy Card offers privileges to customers Monthly Newly Subscribe “Enjoy Card” Total Enjoy Card Member = 244,093 Member 18000 16,963 16000 14000 12000 10000 8000 6000 4000 Next move……to an 2000 application 0 May-… May-… May-… May-… Jan-13 Mar-13 Jul-13 Sep-13 Nov-13 Jan-14 Mar-14 Jul-14 Sep-14 Nov-14 Jan-15 Mar-15 Jul-15 Sep-15 Nov-15 Jan-16 Mar-16 Jul-16 Jaymart Public Company Limited 28
Mobile Business New Products and Offer Jaymart Public Company Limited 29
Camera Business New products offer 30 Branches Jaymart Public Company Limited 30
Camera Business Expanding opportunities Camera in Jaymart Shop ……. 30 shops coverage all potential market Siam Paragon – Jmart Shop The Mall Bangkapi – Jmart Shop Jaymart Public Company Limited 31
Mobile Business The Power of Synergy Jaymart mobile by Singer Flexible Installment Plan by J Money Mobile “New distribution channels and tools” IT Junction Jaymart Public Company Limited 32
Mobile Business The Power of Synergy – Revenues Unit: MB 200 172 Singer J Money ITJ 180 155 151 160 145 143 29 137 4 7 1 140 4 3 47 120 47 48 38 56 49 100 80 60 104 97 97 95 90 87 40 20 0 Jan Feb Mar Apr May Jun Jaymart Public Company Limited 33
Debt Collection and Management No.1 in Debt Tracking and Debt Collection and Non performing Debt Management 34
Debt Collection and Management Business at a glance Debt Tracking and Non Performing Debt Insurance Brokerage and Collection Services Management Personal Finance Business and Clients • Entering into micro finance Market • No.1 in debt tracking and • No.1 in unsecured non- business Positions collection services performing debt management • Proven tracking record and • Well training staff • Partnership with Shinsei • IT and data base system experienced more than 20 Financial Group - Japan Strength • Award Winning for Debt years • Data base system Collection Services Revenues 14% 80% 6% Contribution 35
Debt Collection and Management Market Situation Personal Consumption Credit NPL of personal consumption (Million baht) %NPL 5.0% 112,000 Credit Card, Other Personal 336,641 369,646 100,107 4.5% 102,000 96,203 loan, 94,433 95,082 324,667 92,426 90,157 4.0% 92,000 83,451 81,750 3.5% 82,000 79,018 Hire 71,612 3.0% 72,000 purchase, Mortgage, 68,392 868,301 1,812,151 63,155 56,527 60,204 2.8% 2.5% 62,000 2.7% 2.6% 2.7% 56,583 2.6% 2.6% 2.4% 2.5% 2.4% 2.0% 52,000 2.2% 2.2% 2.1% 1.9% 2.0% 2.1% 1.5% 42,000 Source: Bank of Thailand
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Debt Collection and Management Debt Tracking and Debt Collection Services Unit: MB 25,367 25,000 20,000 18,762 16,121 15,954 15,000 13,950 13,707 11,167 10,140 9,256 10,000 23.6% 22.6% 22.0% 21.9% 15.8% 5,000 10.7% 10.3% 7.7% 7.1% 4.9% 3.7% 2.9% 3.3% 3.6% 4.8% 4.8% 7.0% 6.4% 0 2009 2010 2011 2012 2013 2014 2015 H1-15 H1-16 OS % Commission Rate % Success Rate 38
Debt Collection and Management Debt Tracking and Debt Collection Services Revenue from Debt Collection (MB) 127 108 106 103 99 97 92 52 49 2009 2010 2011 2012 2013 2014 2015 H1-2015 H1-2016 39
Debt Collection and Management Debt Acquisition Unit: MB 94,526 88,683 Total: 2 Million Accounts 63,933 31,679 22,017 13,543 6,429 5,843 3,983 2,238 1,197 1,031 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 H1-16 Portfolio OS Balance Accumulated OS Balance 40
Debt Collection and Management Debt Acquisition Debt Acquisition Portfolio by Type of Loan Unit: MB 94,526 100,000 88,683 80,000 63,223 60,000 40,000 31,679 22,017 20,000 13,542 6,429 - 2010 2011 2012 2013 2014 2015 H1-2016 Motorcycle Car Personal Loan Total 41
Debt Collection and Management Portfolio and Investment 6 Month Debt Purchase 6 Month Portfolio Breakdown 27,931 5,843 JMT JMT JAM JAM 66,595 42
Debt Collection and Management Portfolio and Investment 6 Month Type of Debt Purchase 6 Month Portfolio Type Breakdown 422 43,620 50,906 5,421 Personal Loan Hire Purchase Personal Loan Hire Purchase 43
Debt Collection and Management Portfolio and Investment Investment Collected OS Balance (MB) 2,446 1,745 1,031 1,041 166 2006 2007 2008 2009 2010 Collected as % 423% 215% 323% 417% 215% of Investment Investment(MB) 39 16 49 74 122 44
Debt Collection and Management Portfolio and Investment 94,526 Investment Collected OS Balance (MB) 31,544 25,460 9,663 8,474 7,114 5,843 Total Total 2011 2012 2013 2014 2015 H1-2016 Collected as % of 226% 154% 78% 51% 18% 0% 81% Investment 384 399 439 1,613 1,319 279 4,734 Investment (MB) 45
Debt Collection and Management Cash Collection Port for Debt Acquisition as of 30 Jun 2016 = 91 Ports 1,200 Unit: MB 1,000 35 Revenue 100% 384 Revenue IRR 56 800 Amortization of Investment 350 600 100% IRR 256 211 198 125 Outstanding Balance as of 400 418 182 30 Jun 2016 = 94,526 MB 228 200 276 13,548 194 153 193 173 27 82 160 154 17 15 86 102 85 66 73 42 54 23 14 0 2007 2008 2009 2010 2011 2012 2013 2014 2015 H1-15 H1-16 80,978 Cash 31 38 81 156 397 491 511 738 954 475 467 Collected 100% IRR 46
Debt Collection and Management JMT Target Target Unit: MB 30,000 Investment Debt Acquisition Target 20,000 1,500 1,000 2016 2017 47
Explore new market of Collection service Related with our partners who expand business in AEC TIMEFRAME Y2017 – Study CLMV group Establishing Company Y2018 -- Opening service
Call Center & Direct sales - Insurance service - Personal loan Unit: MB
50
Revolving loan (New product launch) Strength Personal O.D. with lower interest Interest charge by daily Lower Marketing cost Minimum payment 2.5% or 200 Baht Bad debt <3% 51
To be a Revolution with “FINTECH”. How is toward the “FINTECH” in Loan business? 1. To provide customer convenience with user friendly (Smart phone and Tablet) 2. To improve the time for operation and transfer money and point Want to realize Web loan Pre-application by Smart phone, Tablet and PC within 2016. 52
Marketing Channel and Support from Group Credit Screening Customer Base 179 shops nationwide Over 2 million account credit profile 2,700 Salesman nationwide 53
Loan target Y2018= 6,000 MB Y2017= 4,000 MB Y2016 = 2,000 MB 54
สินเชื่อจ ำน ำทะเบียน (Car4Cash)
Shop Concept (Car4Cash)
Strip Mall Concept
สินเชื่อจ ำน ำทะเบียน (Car4Cash) Product concept จุดเด่นของสินเชื่อ ผู้ ประกอบการ A ผู้ ประกอบการ B จุดเด่นธุรกิจ ใช ้ คู่ค ้ าและบริษัทในเครือ สาขาธนาคารร่วมท าการตลาด มีสาขาเป็นจ านวนมาก หลักประกัน มี มี มี โอนเล่มทะเบียน โอนลอย โอนทะเบียน, โอนลอย โอนทะเบียน, โอนลอย สัดส่วนสินเชื่อ เงินกู ้ 100% เช่าซื้อ 80%, เงินกู ้ 20% เช่าซื้อ 80%, เงินกู ้ 20% อัตราดอกเบี้ย 0.55%-1.25% ต่อเดือน 1%-1.75% ต่อเดือน 1%-1.75% ต่อเดือน ปิดบัญชีลดดอกเบี้ย 100% Target Y2016= 240 MB
Debt Collection and Management Q2/2016 JMT Group Performance Revenues Breakdown Revenues Structure Unit: MB 49 Loan 474 17% +43% 6 331 79 247 Debt +52% 571 Collection 10 Debt 4 11% Acquisition 388 163 79% 255 45 343 0.9 278 173 138 97 99 93 49 52 29 24 2013 2014 2015 Q2/15 Q2/16 H1/15 H1/16 Debt Collection Debt Acquisition Loan 59
Debt Collection and Management JMT Performance Unit: MB Unit: MB Net Profit Margin 50 35% Net Profit Margin 44 30% 29% 29% +84% 28% 28% 30% 37 40 26% (QoQ) 35 24% 33 23% 23% 25% 31 30 22% 28 27 27 30 19% 20% 17% 22 21 20 19 14% 17 17 13% 20 16 15% 12% 12% 12 8% 10% 10 5% 0 Q1/12 Q2/12 Q3/12 Q4/12 Q1/13 Q2/13 Q3/13 Q4/13 Q1/14 Q2/14 Q3/14 Q4/14 Q1/15 Q2/15 Q3/15 Q4/15 Q1/16 Q2/16 0% -10 -7% -5% -15.0 -20 -10% -64% (HoH) 60
Debt Collection and Management JMT Financial Ratio ROE and ROA D/E Ratio Unit: Times 19 D/E ROA % 19 ROE % 1.96 1.76 18 1.25 44 1.1 39 8 1.16 9 27 3 19 0.31 1.6 12 0.14 8 3.6 2010 2011 2012 2013 2014 2015 2010 2011 2012 2013 2014 2015 H1-2016 H1-2016 61
Property Development Business NO.1 in Retail and IT rental space 62 JAS Asset Public Company Limited
Property Development Business Business Overview 63 JAS Asset Public Company Limited
Property Development Business Geographic Breakdown Total 47 Locations Rental Area 10,850 Sq.m. Total 1,400 Tenants 11% OCC Rate: 89% 11% 8% 15% 13,000 12,700 12,600 12,500 13% 8% 55 34% 47 44 42 South North Central 2013 2014 2015 2016 Bangkok East North East West Branches Area (sq.m) JAS Asset Public Company Limited 64
124 Locations 47 Locations JAS Asset Public Company Limited 65
Pantip Pratunam JAS Asset Public Company Limited 66
Wanghin OCC Rate: 85% New Opening JAS Asset Public Company Limited 67
Ramintra OCC Rate: 88% New Opening JAS Asset Public Company Limited 68
JAS Asset Public Company Limited 69
JAS Asset Public Company Limited 70
Perspective JAS Asset Public Company Limited 71
Perspective JAS Asset Public Company Limited 72
Tenant Occ. Rate 95% Anchor F&B JAS Asset Public Company Limited 73
Other Opening on 11/11/16 JAS Asset Public Company Limited 74
Construction 60% JAS Asset Public Company Limited 75
Property Development Business Business Performance Revenues Gross Margin Unit: MB Gross Profit (MB) 137 140 137 GPM% 32% 30% 50 35 120 123 122 124 28% 26% 28% 27% 100 101 107 110 30 40 24% 24% 23% 90 21% 22% 25% 39 20% 20% 81 37 77 30 34 33 20 16% 30 29 28 28 28 26 15 20 24 20 10% 17 10 13 5% 0 0% JAS Asset Public Company Limited 76
Property Development Business Net Profit Net Profit Investment Plan Unit: MB Unit: MB 800 29 650 630 600 21 19 390 17 16 400 15 15 11 9 9 8 7 200 4 65 40 0 2012 2013 2014 2015 2016 Q1/13 Q2/13 Q3/13 Q4/13 Q1/14 Q2/14 Q3/14 Q4/14 Q1/15 Q2/15 Q3/15 Q4/15 Q1/16 Q2/16 -10 JAS Asset Public Company Limited 77
Property Development Business Financial Ratio D/E Ratio ( Interest Bearing Debt) ROA and ROE Unit: Times Unit: % 1.52 11.6 ROA % 8.9 1.26 ROE % 0.81 29.0 28.5 0.71 4.5 0.68 5.0 3.6 15.0 10.3 8.4 2012 2013 2014 2015 2012 2013 2014 2015 H1/16 H1/16 JAS Asset Public Company Limited 78
Agenda ► Company Overview ► Financial & Credit Performance ► Transition & Moving forward 81
Key Milestones 2015 - Changes Major Shareholders to Jaymart - Collaboration and Synergy with 2007-2008 1925 Strategic Partners: Corporate Milestones Adopt Credit Approval First company in Thailand Procedures to improve to introduce the hire credit purchase system 2004 1889 1984 Bestow the Garuda 2012-2013 List on the Stock Emblem His Majesty the First business in Exchange of Thailand Set up Singer Leasing and Thailand as the King “SINGER” Singer Service Plus distributor of SINGER sewing machine 1889 1957 1984 2004 2007 2009 2010 2011 2012 2014 2015 1925 2005 2016 2011 2005 2016 Operational Development Expand product line to Target small entrepreneurs 2009 Expand on both Household & motorcycle in addition to households Commercial Products for Re-focus on home Multi-brand and Multi-product electrical appliances controlling by the new system (Direct Payment) 1957 2010 2014 OPTIMIZE YOUR POTENTIALS Expand product line to Expand product line to home appliances commercial products - Making up more income from Commercial Products by adding new services: selling airtime and bill payment - New facelift shops to drive sales and improve brand image - Contribute the repair and maintenance revenues by offering services to non-Singer brand - Explore the business opportunities through Singer Leasing by offering HP products to multi brand dealers. 82
Who We Are … Shareholding structure KBank Sahapat Group 7% 5% SINGER is a pioneer and the leader in hire MuangThai purchase of home electrical appliance with a large Life Assurance distribution network with over 3,500 sales force Thai 2% institutions and 175 shops nationwide Jaymart 15% 25% SINGER is one of the most trusted brand in Thai home electrical appliances for over 127 years individuals 46% SINGER ’ s integrated business model equipped with trading, leasing & hire-purchase, and after-sales services. Changes major shareholders to Jaymart: SINGER listed on the SET with a market capitalization of Bt. 2.84 bil /1 SINGER won the SET Awards for Best Investor Relations for 2011 and 2012 Source: Fact set as of Aug 11 th , 2016. 83
Company Structure Singer Thailand PCL. 99.99% 99.80% 99.90% Singer Leasing Singer Service Plus Singer (Broker) (Thailand) Co., Ltd. Co., Ltd. Co., Ltd. Undertake hire purchase Provides after-sales services Authorized dealer of life financing activities of both at home for all kinds and all insurance products, currently SINGER and all other brand brands of home appliances for Muang Thai Life of home appliances and Assurance PCL equipment
Subsidiary Name Changed จดทะเบียนบริษัท จดทะเบียนบริษัท จดทะเบียนบริษัท วันที่ 29 ธันวาคม 2504 วันที่ 18 มิถุนายน 2528 วันที่ 27 มิถุนายน 2555 บริษัท เอสจี แคปปิตอล จ ำกัด บริษัท เอสจี เซอร์วิสพลัส จ ำกัด บริษัท เอสจี โบรคเกอร์ จ ำกัด SG Capital Co.,Ltd. SG Service Plus Co.,Ltd. SG Broker Co.,Ltd. ( SGC ) ( SGS ) ( SGB ) จดทะเบียนเปลี่ยนชื่อ จดทะเบียนเปลี่ยนชื่อ จดทะเบียนเปลี่ยนชื่อ วันที่ 25 กรกฎาคม 2559 วันที่ 25 กรกฎาคม 2559 วันที่ 25 กรกฎาคม 2559 ทะเบียนเลขที่ 0105555093704 ทะเบียนเลขที่ 0105504001951 ทะเบียนเลขที่ 0105528021196
SYNERGY - Mobile phone supply - Event - Customer privileges - Event space - Debt collection - Clearance Sales - Bad debt database - J Money - Finance product reference 86
Our Success Factors Well trusted brand by Thai customers Brand ERP as main Systems administrative system, People yielding an optimum Over 3,500 experienced efficiency and sales force with strong effectiveness of overall relationship with the local management community Over 170 Hire purchase services with systematic credit nationwide outlets Distribution Financial approval procedure and sales network Service Customer Service After sales and maintenance services at home 87
Key Transitions DPS Convenience (24/7) – Control (100% Credit Check) – AR Management Credit Check (CCO) ตรวจสอบ Debt Recovery & Collection ติดตาม / เร่งรัด – Legal Action ด าเนินคดี Better asset management lower NPL – Internal Audit House cleaning & restructuring – Fraud Protection & Control – Infrastructure IT Infrastructure – Products We can sell everything (both products & services) – Home app + Commercial + Services – Network Expansion Target 5,000 Sales network by E/2016 – Shop expansion SG Power – 88
Agenda ► Company Overview ► Financial & Credit Performance ► Transition & Moving forward 89
Comparison of Sales Breakdown for Q2 ’ 2015 VS Q2 ’ 2016 Sewing Machine 2% Air Time Vending Others PVM Machine 5 10 12 Washing Q2/2015 Machine TV 10 Refrigerator Freezer 20 Air Time Vending Air Machine 24 Air Cooler 7 Washing Machine Sewing Machine 5% 5 PVM Other 7% 5 Mobile 3 Freezer 16 TV Refrigerator Air Q2/2016 2 90
Comparison of Sales Breakdown for 91 Jan.-Jun 2015 VS Jan.-Jun.2016 Sewing Air Time Machine Vending 3% Machine Others PVM Washing 13% 5% 11% Machine YTD/2015 TV 11% 9% Freezer Refrigerator 20% Air 9% 19% Air Time Air Cooler Vending 4% Washing Machine Sewing Machine PVM Machine Other 9% 4% 9% 9% 6% Mobile 3% Freezer TV 17% YTD/2016 9% Refrigerator Air 9% 21%
Financial Summary Total Revenue 1Q15 – 2Q16 (Bt.mil) 987 868 4% 797 4% 741 730 19% 5% 717 22% 6% 23% 8% 6% 24% 24% 22% 74% 76% 77% 72% 70% 70% 70% 70% 1Q15 2Q15 3Q15 4Q15 1Q16 2Q16 Sales Interest Other income 7.40% Net profit (Bt.mil) 56 5.62% Net profit Net profit margin 54 48 5.57% 4.30% 5.52% 3.90% 28 28 11 1Q14 2Q15 2Q15 1Q16 3Q15 2Q16 92
Financial Summary Total Revenue (Bt.mil) 2Q2016 Revenue breakdown Other Income 8% 3,638 3,440 3,393 2,964 Interest 2,398 2,178 Sales 22% 70% 730 717 2010 2011 2012 2013 2014 2015 1Q16 2Q16 Sales Interest Other income Net profit (Bt.mil) 8.8% Net profit Net profit margin 320 7.6% 7.4% 7.0% 5.6% 226 5.9% 4.2% 4.1% 241 143 143 89 54 28 2014 2Q16 2010 2012 2013 2015 1Q16 2011 93
Sales Performance: Growing Sales Value 2Q16 : Commercial appliances Sales value (Bt. mil) sales value breakdown 2,851 Others PVM 2,531 2,494 8% 23 % 2,327 ATVM 41% 1,866 18 % 55% 39% Freezer 49% 1,628 51 % 27% 19% 2Q16 : Home appliances sales value breakdown 59% 61% 501 506 45% 81% 73% 51% Others Sewing 37% 46% 14 % machine 63% 54% 8% Refrigerator 2010 2011 2012 2013 2014 2015 1Q16 2Q16 11.% Home appliances Commercial appliances Television 10% Air-con 46 % Washing machine 11% 94
Gross Profit and Margin Gross profit /1 (Bt. mil) 1,088 986 962 937 781 689 46% 38% 44% 52% 35% 24% 188 173 62% 54% 76% 56% 65% 48% 26% 45% 55% 74% 2010 2011 2012 2013 2014 2015 1Q16 2Q16 Home appliances Commercial appliances Home appliances: Gross profit margin Commercial appliances: Gross profit margin 53% 50% 50% 50% 59% 59% 57% 57% 56% 47% 47% 54% 54% 46% 46% 51% 46% 46% 44% 42% 41% 39% 37% 37% 38% 38% 37% 36% 36% 36% 35% 29% 2010 2011 2012 2013 2014 2015 1Q16 2Q16 2010 2011 2012 2013 2014 2015 1Q16 2Q16 GPM of home appliances GPM of commericial appliances GPM of home appliances (with ECC) GPM of commericial appliances (with ECC) Note: 1. Gross profit excludes ECC 95 2. ECC is Earning Carrying Charge (interest earned).
Well Balanced Capital Structure Interest-bearing debts Bt. 863 mil Interest-bearing debt and gearing ratio Short-term 1.0 18% 0.8 0.8 0.7 0.6 0.7 0.5 0.6 1,145 1,057 1,024 858 863 820 765 735 Long-term 82% 2010 2011 2012 2013 2014 2015 1Q16 2Q16 Interest-bearing debt (Bt.mil) Net gearing ratio (x) Total debt and D/E ratio 1.52 1.27 1.27 1.27 1.13 1.12 1.02 1.01 1,824 1,778 1,764 1,669 1,598 1,517 1,288 1,249 2010 2011 2012 2013 2014 2015 1Q16 2Q16 Total debt D/E 96
Credit Approval & Management Flow Restructuring our credit control process leads to better control in the future Credit Call Center Account Field Legal Dept. Control Checker Collector • Welcome call • Enforce legal Office penalty • Validate • AR Account • Bad debt Apply for hire address checking collector • Credit scoring purchase • Seizure • Black list • NCB 10.4% 7.7% 7.3% 6.5% 6.1% 6.0% 4.7% 4.3% 177 166 162 161 162 160 143 141 2010 2011 2012 2013 2014 2015 1Q16 2Q16 No.of hire-purchase accouNts ('000) % NPL 97
98 Financial Highlights 2011 – Q2/2016 Y2011 Y2012 Y2013 Y2014 Y2015 Q1-2016 Q2-2016 Unit : Million Baht Total assets 2.229 2.710 3.256 3.356 3.342 3.300 3.176 Total installment receivables 1.263 1.578 1.975 1.995 1.951 1.906 1.866 Total liabilities 1.249 1.517 1.824 1.778 1.764 1.669 1.598 Total loans 0.735 0.765 1.145 1.057 1.024 0.858 0.863 Total equity 0.981 1.193 1.433 1.578 1.578 1.631 1.578 D/E Ratio 1.27 1.27 1.27 1.13 1.12 1.02 1.01 Interest bearing ratio 0.75 0.64 0.80 0.67 0.65 0.53 0.55 NPL 4.65 4.30 5.98 6.49 6.11 7.73 10.41
99 Financial Ratio 2011 2012 2013 2014 2015 Q1-2016 Q2-2016 Liquidity Ratio Current Ratio (Time) 3.72 2.73 2.84 2.77 1.60 1.64 2.79 Inventory Turnover (Time) 4.38 5.85 6.74 5.46 5.41 4.16 4.57 Holding Period (Days) 82 62 54 67 67 87 79 Profitability Ratio Gross Profit Margin (%) 54.41 54.77 51.54 52.95 48.50 50.05 48.46 Net Profit (Loss) Margin (%) 5.95 7.63 8.81 7.02 4.22 7.40 5.62 Return on Equity (%) 15.69 20.81 24.41 15.30 9.07 13.02 10.43 Operating Profit Margin (%) 6.05 11.29 12.07 10.20 5.24 9.48 6.80 Efficiency Ratio Return on Assets (%) 6.63 9.16 10.75 7.19 4.27 6.27 4.91 Leverage Ratio Liabilities Per Equities Ratio 1.28 1.27 1.27 1.13 1.12 1.02 1.01 Interest Coverage Ratio (Time) 2.49 7.42 8.02 4.14 6.63 6.31 6.14
Dividends and Share Information 59.3% 57% Dividend policy is not more than 60% of normal net profit 38% 38% 36% 0.89 30% 1.19 0.84 0.53 0.53 0.53 0.45 0.30 0.30 0.33 0.20 0.14 0.10 -0.30 2008 2009 2010 2011 2012 2013 2014 2015 EPS DPS Dividend payout Share information Par value: Bt. 1.00 Stock price: Bt. 10.50 per share Listed share: 270 mil. shares P/E 23.43 Times Market Bt. 2,835 mil P/BV 1.74 Times capitalization: Foreign limited: 49.00% Dividend yield: 2.86% 100 Source: SETSMART as of Aug 11, 2016
Agenda ► Company Overview ► Financial & Credit Performance ► Transition & Moving forward 101
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