tourists from China increasing by only 1.1% as there was an actual decrease in total tourist arrivals from China for the first 4 months of 2017. However, during this first 9 months period of 2017, there were

TRANSLATED VERSION Codified up to No. 2 As of June 12, 2015 Readers should be aware that only the original Thai text has legal force and that this English translation is strictly for reference. 2 13

TRANSLATED VERSION Codified up to No. 2 As of June 12, 2015 Readers should be aware that only the original Thai text has legal force and that this English translation is strictly for reference

TRANSLATED VERSION codified up to No.2 as of July 10, 2015 Readers should be aware that only the original Thai text has legal force and that this English translation is strictly for reference

) was 3.8 percent. In line with the prudent approach of setting aside adequate provisioning expenses, the Bank’s total allowances for doubtful accounts amounted to Baht 146.8 billion, which will provide a

same level as the previous quarter. The Bank continued to focus on prudent control over credit underwriting and to ensure loan quality and the allowance for doubtful accounts to maintain at the

line with the prudent approach of setting aside adequate provisioning expenses, the Bank’s total allowances for doubtful accounts amounted to Baht 147.2 billion, which will provide a cushion against any

prudent management. The reserves are to provide a cushion against the increasing uncertainty from the economic contraction due to the impacts from Covid-19 which are still difficult to predict the final

loan (NPL) ratio was at 3.6 percent with strong loan loss reserves to NPL at 183.4 percent. The Bank continued to focus on prudent control over credit underwriting and risk management to ensure loan

business which rose significantly than that of Q3 2016. This was due to the fact that the 27 residences were transferred and recognized income in Q3 2017 as compared to only 2 residences transferred in Q3