provisioning rate. Operating expense marginally decreased by 0.4 percent from last year. The cost to income ratio was poised well at 41.1 percent. At the end of December 2019, loan amounted to Baht 2,061,309

poised to maintain its key policy rate throughout 2019. Given the Thai economy’s strong fundamentals, risk- averse investors thus put greater weight on Thai assets, as evidenced by ongoing capital inflows

significance. The occurrence of the outbreak has affected the global economy, including the Thai economy which is poised likely to experience a recession within this year. Due to the COVID-19 outbreak affecting