Total loan loss reserve/ Total mandatory reserve 186.3 186.3 184.4 182.4 167.0 170.9 170.9 4 Profit and Loss Transaction For the year ended December 31, CONSOLIDATED Change (BAHT'000) 2019 2018 Amount
from the growth in deposit consistent with the overall expansion in loan portfolio. Cost of fund for 2018 was maintained at 2.3%, the same level as in 2017. For the year ended Consolidated Change Dec 31
consistent with the overall expansion in loan portfolio. Cost of fund for 2Q18 remained stable at 2.3% yoy . For the three month period ended Consolidated Change Jun 30, 2018 Jun 30, 2017 Baht million
expansion in loan portfolio. Cost of fund for 2Q18 remained stable at 2.3% yoy . For the three month period ended Consolidated Change Jun 30, 2018 Jun 30, 2017 Baht million % Interest expense 1,224 1,030 194
distribution by loan type (consolidated) Type of loans Dec 31, 2018 Dec 31, 2017 Baht million % % of loans Baht million % % of loans Retail Lending 3,485 37.1 2.5 2,985 30.9 2.4 Hire Purchase 2,443 26.0 2.3
million, declining by 2.7% from the end of 2018. Loan to deposits and borrowings ratio stood at 103.6%, comparing to 99.1% at the end of 2018. 10 LIABILITIES CONSOLIDATED Change (BAHT'000) Jun 30, 2019 Dec
114.8 114.1 113.2 113.2 Total loan loss reserve/ Total mandatory reserve 183.0 183.0 186.3 184.4 182.4 182.4 4 Profit and Loss Transaction For the three-month period ended June 30, CONSOLIDATED Change
for 3Q19 at 7.0% while cost of funds was at 2.4% resulting in loan spread for 3Q19 to decline to 4.6% from 5.1% during 3Q18. For the three-month period ended Consolidated Change Sept 30, 2019 Sept 30
distribution by loan type (consolidated) Type of loans Sept 30, 2017 Dec 31, 2016 Baht million % % of loans Baht million % % of loans Retail Lending 2,994 29.0 2.4 2,602 26.1 2.1 Hire Purchase 2,307 22.3 2.2