lower investments In order to proactively respond to the rapid spread of COVID-19 pandemic and government policies, After You has made improvements to its strategy and strategic directions as follows
. On the domestic front, elevated household debt remains a constraint to purchasing power. In the meantime, domestic political situation also warrants monitoring as the government is preparing for an
as government legislation gives boost to the recycling industry, with the major constraint being adequate collection of raw material. The recognition by our customers of PET’s beneficial properties
and real estate development loans. 6 Meanwhile, cost of fund for 2018 was maintained at 2.3% resulting in loan spread to decline from 5.2% in 2017 to 5.0% for 2018. % 4Q17 2017 1Q18 2Q18 3Q18 4Q18 2018
stable at 2.3% resulting in loan spread for 2019 to decline to 4.7% from 5.0% yoy. For the year ended Consolidated Change Dec 31, 2019 Dec 31, 2018 Baht million % Interest income 18,036 16,294 1,742 10.7
improvement in loan spread from 4.6% in 2Q16 to 5.3% in 2Q17. % 2Q16 1H16 2016 1Q17 2Q17 1H17 Yield on loan 7.3 7.4 7.5 7.6 7.6 7.6 Cost of fund 2.7 2.7 2.5 2.4 2.3 2.3 Loan spread 4.6 4.7 4.9 5.2 5.3 5.3 Net
from the increase in yield on hire purchase loans from the higher portion of used cars mix in portfolio. Cost of fund dropped further yoy from 2.5% to 2.1% resulting in improvement in loan spread from
increase of 16.6% yoy from the growth in deposit. Yield on loan for 2Q19 declined to 7.0% from 7.2% in 2Q18 while cost of funds for 2Q19 was at 2.4% comparing to 2.3% yoy resulting in loan spread for 2Q19 to