% 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
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 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
including SME Car3x loans expanded at 51.7%, personal loans increased by 18.7%, corporate banking loans expanded by 106.8%, Lombard loans expanded by 15.3% with real estate development loans also registering
for the real estate segment continued to decline further to 17.5% at the end of 2Q18 from 21.4% at the end of 2017 15 Capital Market business comprises of brokerage business, investment banking business
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
hub, but also reflected the potential and strength of WHA Group’s industrial estates, which can serve the needs of both local and international customers. Gross profit from sale of real estate during
PACKAGING (HANOI) CO., LTD. APAC HOLDING, LLC APAC REAL ESTATE HOLDINGS LLC APEX DEVELOPMENT PUBLIC COMPANY LIMITED APEX ENERGY SOLUTION COMPANY LIMITED APPLICAD PUBLIC COMPANY LIMITED APPLIED DB PUBLIC
HIGHLIGHTS Total revenue increased by 81.8%, mainly from significantly increase in income from sale of real estate due to increase in land transfer this quarter, compared to the same period of pervious year