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

on loan for 2Q18 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

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

to hand over to housing juristic person and for repurchasing of houses from customers, totaling 247 million baht In the first nine months of 2018, income tax is decreased in an amount of 284.54 million

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

housing loans as most borrowers rushed to submit their loan applications before the effective date of the revised Loan-to-Value (LTV) measures on April 1, 2019. Demand for auto-leasing declined in line with

from the end of 2019 with growth driven by hire purchase, housing and corporate lending segment. For asset quality, the Non-Performing Loans (NPLs) to total loans ratio for 3Q20 declined further to 2.9

products launched by some financial institutions as well as from auto-leasing. Meanwhile, demand for housing loans continued to decline after the implementation of the revised Loan-to-Value (LTV) measures

due to lower consumer confidence and overall consumption. Demand for housing loans also fell, especially low-rise housing. Going forward, financial institutions expect increasing demand for loans from

7,993 3.4 6,528 2.9 22.5 Micro SMEs loan 7,954 3.3 7,040 3.1 13.0 Housing loan 21,663 9.1 18,642 8.2 16.2 Commercial Lending 60,899 25.6 55,813 24.4 9.1 Real Estate Development loan 31,591 13.3 29,052