loans, real estate development loans and housing loans while hire purchase loans declined slightly from the end of 2018. For asset quality, the Non-Performing Loans (NPLs) to total loans ratio for 1Q19

area and also from the decline in construction material sales in line with the slowed down in the real estate sector. Additionally, investment in machinery and equipment also contracted as exhibited by

from the decline in construction material sales in line with the slowed down in the real estate sector. Additionally, investment in machinery and equipment also contracted as exhibited by the decline in

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

expense totaled Baht 1,426 million, an 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

the decline in policy rate and deposit rates in the market and also from the temporary reduction in FIDF fee from 0.46% to 0.23% effective from Jan 1, 2020 onwards, resulting in loan spread for 1Q20 to

the decline in policy rate and deposit rates in the market and also from the reduction in FIDF fee from 0.46% to 0.23% effective from Jan 1, 2020 onwards, resulting in loan spread for 1Q20 to increase

of real estate and providers of real estate services. The main focus is put on the quality of life of residents managed with “Livable Community” strategy, social and environmental responsibility and

. Development Public Co., Ltd. and subsidiary companies is categorized into two groups to diversify and expand the operation as follows: 1. Real Estate Development: develop residential condominiums, non

real estate development and service business. The Company has developed premium housing projects in central business area to open up new business opportunities. Moreover, the opportunity in rental real