almost all nationality groups, especially the number of Chinese tourists. Meanwhile, domestic demand expanded at a gradual pace both the private consumption and investment. Public expenditure remained an
million in 2016. Yield on loan for the year 2017 remained stable at 7.5% yoy from the increased in diversifications in the Bank loan portfolio into both high yield segment – personnel loans, SME Car3x, used
), increased by 5.2 percent on the average. European region remained as the top at 7.1 percent, followed by Latin America (5.7 percent), and Asia Pacific (5.4 percent). Although the ASK growth of the Middle East
6M19 P a g e | 10 Compared to 1H18, the Company’s gross profit margin remained resilient with stable margin in 1H19 despite the closure of Dusit Thani Bangkok hotel. However, EBITDA margin and net profit
quarter of 2018 continued to improve. Export performance remained strong, with 12.3 percent year-on-year expansion. Tourism also continued to perform well despite the end of the high season, as tourist
rates have remained steady. Core EPS of THB 4.49, up 65% YoY, post 11.1% dilution from warrants exercise. Operating Cash Flow of $1,037 million, despite higher working capital deployment due to start
, particularly from large corporate and SME. However, the commercial banks remained cautious in lending as the loan quality continued to deteriorate especially SME loan. Overall NPL ratio increased marginally from
industrial countries that could affect domestic demand as well as geopolitical risks. In addition, there remained downside risks pertaining to domestic factors such as elevated household debt, impacts from