for 3Q18 declined from 7.7% to 7.3% yoy from the expansions of loan portfolio in the low yield segment – housing loans, corporate lending and real estate 6 development loans. Meanwhile, cost of fund for

increase of Baht 367 million, or 1.57 percent in net interest income derived from rising interest income and effective funding cost management. Meanwhile, operating expenses rose Baht 487 million, or 3.07

direction primarily by considering the balance of three dimensions – economy, society and environment – under good corporate governance, appropriate risk management and effective cost management. At the same

car segment and low yield segment – housing loans, corporate lending loans, Lombard loans. Meanwhile, cost of fund for 2017 dropped further yoy from 2.5% to 2.3% resulting in improvement in loan spread

% to 15.0%. Gross profit Margin increased from the reduced cost of service and in previous year, the law was a changing the law regarding to the provision of long-term employee benefits from the 300 days

is expected to be effective in the next few months to give further support to the Domestic HRC prices. However, the consumption is expected to remain low till the new government formation. As such we

2.87 $/BBL, the refining margin still remains on the low side due to the crack spread of finished product and reference crude oil price declining significantly. A result of severe drop in demand for fuel

2016 2017 2016 Revenue ASK (RASK) Baht per Available Seat - Kilometers 2.92 3.33 3.34 3.89 Cost per ASK (CASK) 3.36 3.20 3.36 3.25 Cost per ASK excluding fuel cost 2.75 2.69 2.72 2.75 RASK – CASK (0.44

the low yield segment – housing loans which expanded by 149.0% yoy and corporate lending loans grew by 126.5% yoy. Meanwhile, cost of fund for 1Q18 dropped yoy from 2.4% to 2.3% resulting in declining

loan portfolio in the low yield segment – housing loans which expanded by 149.0% yoy and corporate lending loans grew by 126.5% yoy. Meanwhile, cost of fund for 1Q18 dropped yoy from 2.4% to 2.3