-to-income ratio excluding loss from sale of foreclosed assets and loss from revaluations stood at 47.8% for 1Q18 comparing to 47.2% yoy. Bad debts and doubtful accounts and loss on debt restructuring
from sale of repossessed cars (credit cost) stood at 1.33% of average loan for the year 2019. Allowance for doubtful accounts and allowance for troubled debt restructuring amounted to Baht 10,589 million
loss provisions (excluding general reserve) and including loss from sale of repossessed cars stood at 1.48% of average loan for 2Q19. Allowance for doubtful accounts and allowance for troubled debt
for doubtful accounts and allowance for troubled debt restructuring amounted to Baht 11,085 million with outstanding Baht 4,500 million in general reserve. As of end of 2Q19, the total loan loss reserve
expenses mainly because the provision for doubtful debts and closed branches over THB 150 million was recongised during 2016. Impairment of investment in subsidiary Impairment of investment in subsidiary of
those were in line with decreasing revenue, representing decrease of 36.4%MB and 35.9%, respectively. Administrative Expenses of Q1–2018 decreased from Q4–2017 and Q1–2017, due to the reversal of doubtful
1Q2018 mainly from accounting adjusted of doubtful debt amounted of Baht 22.5 million Finance Cost decreased from Baht 146.0 million in 1Q2017 to Baht 93.7 million in 1Q2018 due to loan repayment of Baht
2018 to Baht 44 in the period. The main reason is from the increase - 5 - in allowance for doubtful account of Baht 9 million since the company’s sale increased in Quarter 3 2019. Furthermore, the
Company and its subsidiaries and allowance doubtful account increased by Baht 9 million and employee benefits for employees who have worked with the Company 20 years or more to receive compensation not less