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
delivering an excellent customer experience in order to empower every customer’s life and business, we prioritize the offering of attentive and inclusive services as a trustworthy service provider. We can
operation in 2018 and over the next five years in order to deliver an excellent customer experience. Meanwhile, we have upgraded our technological capability in order to act as a digital platform provider for
provide smart personalized “Financial and Life Solutions” to the right customer at the right time. We continue our endeavor to deliver an excellent customer experience with ever-greater consideration of
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