year. As the loan quality was relatively stable, the ratio of gross non-performing loans (NPL) to total loans was 2.9 percent, nearly the same level at the end of 2017. The Bank of Thailand’s Senior Loan

spectrum licenses as well as lower interest- bearing debt QoQ. Average cost of borrowing stood at 3.0% per year. Profit In 1Q19, EBITDA was stable YoY at Bt18,906mn due to higher network OPEX and SG&A

with business partners. However, in regards to the current economic situation which is in an improved trend but the risks to asset quality remained in concerns. The Company therefore remains cautious in

be effective in 2020, the Thai commercial banking system will be more stable and able to support loan expansion in the next phase. Overall Picture of the Bank and its Subsidiaries Million Baht Item

regulations for Liquidity Coverage Ratio (LCR) and Net Stable Funding Ratio (NSFR) requirements. The preparation for TFRS 9 adoption, which will come into effect in 2020, and managing loan quality and NPL

SME loans will be relatively stable compared with the previous quarter. Demand for consumer loans is likely to decrease significantly due to the Covid-19 outbreak and public health measures. Some

consolidated financial results, the Company has total revenues stable compared to the same period of last fiscal year due to the current economic situation which is in an improved trend but the risks to asset

impaired assets by Thai Asset Management Corporation (TAMC). Dividend income declined by Baht 300 million and net fees and service income declined by Baht 234 million due to a decrease in fee income from

asset quality management for its loan portfolio and focus on expanding into profitable segment with better asset quality taking into careful considerations the economic conditions. As such, the overall

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