declined from 7.6% to 7.2% yoy due to the high growth of loan portfolio in the low yield segment – housing loans, corporate lending and real estate 6 development loans. Meanwhile, cost of fund for 2Q18
from 7.5% to 7.2% yoy from the expansions of loan portfolio in the low yield segment – housing loans, corporate lending and real estate development loans. 6 Meanwhile, cost of fund for 2018 was
from the end of 2019 with growth driven by hire purchase, housing and corporate lending segment. For asset quality, the Non-Performing Loans (NPLs) to total loans ratio for 3Q20 declined further to 2.9
7,993 3.4 6,528 2.9 22.5 Micro SMEs loan 7,954 3.3 7,040 3.1 13.0 Housing loan 21,663 9.1 18,642 8.2 16.2 Commercial Lending 60,899 25.6 55,813 24.4 9.1 Real Estate Development loan 31,591 13.3 29,052
8.3 Housing loan 20,516 8.8 18,642 8.2 10.1 Commercial Lending 56,151 24.1 55,813 24.4 0.6 Real Estate Development loan 30,682 13.1 29,052 12.7 5.6 SMEs loan 25,470 10.9 26,760 11.7 (4.8) Corporate
7,627 3.3 7,040 3.1 8.3 Housing loan 20,516 8.8 18,642 8.2 10.1 Commercial Lending 56,151 24.1 55,813 24.4 0.6 Real Estate Development loan 30,682 13.1 29,052 12.7 5.6 SMEs loan 25,470 10.9 26,760 11.7
% (%) Retail Lending 142,334 59.8 140,402 61.4 1.4 Hire Purchase 105,760 44.4 108,191 47.3 (2.2) Personal loan 7,639 3.2 6,528 2.9 17.0 Micro SMEs loan 7,827 3.3 7,040 3.1 11.2 Housing loan 21,108 8.9 18,642 8.2
) % Amount (Baht million) % (%) Retail Lending 148,568 59.9 145,223 61.0 2.3 Hire Purchase 109,575 44.2 107,612 45.2 1.8 Personal loan 8,282 3.3 7,993 3.4 3.6 Micro SMEs loan 8,080 3.3 7,954 3.3 1.6 Housing