in loans 154 569 (415) (73.0) Others 1 0 1 n.a. Interest expenses totaled Baht 1,043 million, a decline of 3.6% yoy. Interest expense on debt issued and borrowings reduced by 34.8% from the decline in

Big C and Big C Shopping Online. In addition, AEON Specialized Bank (Cambodia) Plc had credit card revenue of 15 million baht, grew by 69% y-y. - Loans In the first half year of 2018, loans shared 30

% 65% 5,646 7,933 301 1,456 5,651 8,988 513 1,984 0% 13% 70% 36% Total Revenues 5,225 5,664 5,979 6% 14% 15,335 17,136 12% Operating and administrative expenses and others Bad debts and doubtful accounts

percent. Total business loans (64.1 percent of all loans) shrank by 0.8 percent due to the economic slowdown and debt repayments in many types of businesses. Corporate loans (excluding financial businesses

Thai Mobile Application or website in order to redeem the premiums and vouchers. In addition, AEON Specialized Bank (Cambodia) Plc had credit card revenue of 25 million baht, grew by 80% y-y. - Loans For

by 100% y-y. - Loans In the first half year of 2019, loans shared 30% of total turnovers with the revenue of 5,940 million baht, an increase of 697 million baht or 13% y-y. In the second quarter of

13.1 Interest on investment in loans 90 111 (21) (18.9) Others 5 1 4 351.6 Interest expenses totaled Baht 1,224 million, an increase of 18.9% yoy mainly from the growth in deposit and borrowings amount

%. The Bank loan portfolio registered growth across all segments with hire-purchase portfolio continuing to expand by 2.8% from the end of 2017. For asset quality, the Non-Performing Loans (NPLs) to total

Statement (Consolidated) Unit : Million Baht 2Q/19 1Q/20 2Q/20 %QoQ %YoY 1H19 1H20 %YoY Operating and administrative expenses and others Bad debts and doubtful accounts Finance costs 2,293 1,593 557 2,086

private consumption and investment. However, economic expansion remains at risk due to higher cost of living, the rising of household debts amid an upward trend of interest rates, the increasing of interest