2.91% at the end of 2017 to 2.94% at the end of the third quarter of 2018, while NPL ratio for SME loan edged up from 4.37% to 4.65% in the same period. Nevertheless, the Thai banking system remained
improvement. Compared to the prior quarter, the figures edged higher in line with increased brokerage fees from securities business, bancassurance fees and management fees. NPLs to total loans edged up slightly
in lending rates in line with the Thai policy rate during this quarter. Nonetheless, net interest margin (NIM) edged up slightly. Net fees and service income also rose over-year, due to a low- base
expenses as they were required to set aside reserves for employee welfare benefits in compliance with the amendment to the new Labor Protection Act. Meanwhile, NPLs to total loans edged up slightly from the
or loss under the TFRS9. All in all, most commercial banks adopted a cautious stance in asset quality management as NPLs to total loans edged higher. As of the end of the first quarter of 2020, net