for 3 months and up was 4.8% and default receivables in credit risk (NPL Stage 3) was 5%. At the end of second quarter of FY2022, the consolidated coverage ratio of allowance for expected credit loss to
% and default receivables in credit risk (NPL Stage 3) was 5.3%. As at November 30, 2022, the consolidated coverage ratio of allowance for expected credit loss to NPL (NPL Coverage ratio) was at 196
5.5%. For default receivables in credit risk (NPL Stage 3) was 5.7%. The separated delinquent account receivables for 3 months and up was 5.2% and the default receivables in credit risk (NPL Stage 3
risk (Stage 3) was 5.6% decreased from 5.8% at the end of previous year, mainly from caution on new loan under the third wave of COVID-19 situation and some of the customers able to repay and accelerated
year and 7% from the previous quarter due to the ending of moratorium program for customers impacted by Covid-19 since December 2021. The default receivables in credit risk (Stage 3) ratio stood at 5.9
4.2 NPLs/ Total loans (excluding interbank and POCI) 3.2 2.9 2.9 3.4 3.7 Allowance for expected credit loss/ Total NPLs excluding POCI (coverage ratio) 163.3 170.9 152.6 128.7 115.9 5 Net Interest
previous quarter by from the ability to control the quality of assets in Stage 3 and better debt collection performance. - Finance Cost The Company recorded consolidated finance cost in the 3Q/2023 of 511
default receivables in credit risk (Stage 3) was 5.77% of total accounts receivable due to some of the customers who joined the grace period in Thailand and overseas and decreased trading volume in the
year. For default receivables in credit risk (NPL Stage 3) was 5.2% decreasing from 5.8% at the end of previous year, mainly from caution on new loan under the third wave of COVID-19 situation and