and debt securities rose by Baht 2.4 billion or 20.5 percent. Net Interest Income Million Baht Item Quarter Change (%) H1 Change 2/2018 1/2018 2/2017 1/2018 2/2017 2018 2017 (%) Interest Income Loans

debt securities rose by Baht 571 million or 10.0 percent. Consequently, net profit (attributable to the Bank) in the third quarter of 2017 amounted to Baht 8.2 billion, an increase of Baht 114 million or

and debt securities rose by Baht 1.5 billion and operating expenses rose by Baht 1.5 billion or 13.6 percent due to increases in other expenses and personnel expenses. Consequently, net profit

Baht or 21.9 percent, while debt collection and other services for the six-month of 2019 were equal to 1,476.4 million Baht or 25.8% increase due to JMT's subsidiary has succeeded in generating revenue

, bancassurance and mutual funds. Operating expenses fell by Baht 498 million or 3.7 percent from lower premises and equipment expenses, and impairment loss of loans and debt securities which declined by Baht 1,187

purchase of accounts receivable was 77.2 percent of the total income. The Profit from loans receivable from purchase of accounts receivable which was the revenues from fully amortized bad debt portfolios

times its total foreign-currency-denominated debt. The Thai baht stood at 32.55 THB/USD at the end of 2018, easing by 0.75 percent from 32.31 THB/USD at the beginning of the year. On the domestic front

in the cost of deposits. Operating expenses decreased by Baht 1.5 billion or 6.0 percent, due mainly to a decrease in provisions for contingencies. Impairment loss on loans and debt securities rose by

investments decreased. Net interest income rose by Baht 130 million or 0.8 percent due to an increase in interest income from investments. This was coupled with the decline in interest expenses on debt issued

-income households. Nevertheless, high levels of household debt continue to weigh on household purchasing power. Headline inflation in the first quarter of 2019 was 1.2 percent, up from 0.4 percent in the