from 7.5% to 7.2% yoy from the expansions of loan portfolio in the low yield segment – housing loans, corporate lending and real estate development loans. 6 Meanwhile, cost of fund for 2018 was

housing loans as most borrowers rushed to submit their loan applications before the effective date of the revised Loan-to-Value (LTV) measures on April 1, 2019. Demand for auto-leasing declined in line with

from the end of 2019 with growth driven by hire purchase, housing and corporate lending segment. For asset quality, the Non-Performing Loans (NPLs) to total loans ratio for 3Q20 declined further to 2.9

products launched by some financial institutions as well as from auto-leasing. Meanwhile, demand for housing loans continued to decline after the implementation of the revised Loan-to-Value (LTV) measures

% YoY. Nevertheless, Outdoor media - our focus segment- recorded THB 1,525mn in advertising expenditure, an increase of 3.8% QoQ and 11.0% YoY, benefiting from a shift in people’s behavior to spend more

เหตใุห้บริษัทจ าเป็นต้องปรับกลยุทธ์ในการด าเนินงานใหม่ โดยก าหนดปี 2560 เป็น “ปีแห่งการปรับเปล่ียน” (Year of Shift) ภายใต้สภาวะถดถอยขององค์กร บุคลากรของทัง้องค์กรตัง้แต่ ผู้บริหารระดบัสงูจนถงึพนกังานทัว่ไป

continuously increased over the past few years as evident from an acceleration of its advertising expenditures by 3.6%1 YoY to THB 1,678mn in 3Q 2017, benefiting from the shift in people’s behavior to spend more

outflow for PPE and interim dividend pay out in Feb’19. Current investment decreased by THB 904 million due to the shift from short-term to long-term investments (see more details in notes to financial

increased over the past few years, benefiting from the shift in people’s behavior to spend more time outside as well as its strength as being a media that reaches consumers when they are on the go and

the full effect of Saraburi Quicklime addedon March 19th. Similar to Q1 2018, the revenue was from core business, that is a major shift compared with H1 2017 when the contribution of Engineering was a