capital, in combination with regular increases in reserves, the commercial banking system will continue to provide a cushion for NPL. Overall Picture of the Bank and its Subsidiaries Million Baht Item

thoroughly economic growth can spread to all sectors. However, given commercial banks’ relatively high capital base in combination with consistent increases in provisioning reserves, the commercial banking

% 86.7% 89.5% (1.0)% (3.8)% Non-performing loan (NPL) 82,148 83,668 80,137 (1.8)% 2. 5% Ratio of NPL to total loans 3.5% 3.5% 3.4% - 0.1% Ratio of loan loss reserves to NPL 185.8% 189.0% 190.9% (3.2)% (5.1

(NPL) 86,221 82,148 80,137 5.0% 7.6% Ratio of NPL to total loans 3.6% 3.5% 3.4% 0.1% 0.2% Ratio of loan loss reserves to NPL 183.4% 185.8% 190.9% (2.4)% (7.5)% Total capital adequacy ratio 20.71% 18.28

parties and internal parties, for example, submission of incident reports to the SEC Office upon an occurrence of an event that affects the IT systems or monitoring of the service provider to ensure that

and internal parties, for example, submission of incident reports to the SEC Office upon an occurrence of an event that affects the IT systems or monitoring of the service provider to ensure that its

 interest bearing debt.  Cash reserves and financial investments at the 30th June 2017 were THB 10.0 billion up from 30th June, 2016 were THB 9.5 billion.  Asset Quality Accounts Receivable Most of customers

 applicable to each offshore subsidiary's base currency.  Payout Analysis No dividends were paid out during the quarter. Financial Status The group currently has no interest bearing debt.  Cash reserves and

  20.55  Dividend Yield (%) N/A  N/A  3.98  Payout Ratio -  N/A  0.79  Dividend Policy Not exceeding 50% of the profits after deducting corporate income tax and reserves in pursuant to the laws (with

percent of net profit according to separate financial statements after corporate income tax and after necessary and appropriate legal reserves (with additional conditions) 1  CG Score 2021 from Thai