the remaining interest for the installment due on 30 December 2021 at 5.25 percent per year; and (3) a revision of the remaining interest payment for the installment due on 30 June 2021
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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
% from the end of 2018 with growth in the Real estate development segment, SME segment and across Retail loan segment except in the hire purchase segment which contracted during 2019. For asset quality
, the Company has continually expanded its business by coinvesting with Real Foods (Pty) Ltd., a leader in South Africa’s healthy food market, to operate a healthy food business in Thailand. In terms of