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
well. However, the commercial banks are tightening measures for credit undertaking with the worries on debt serviceability. Although, Thai commercial banking systems remained resilient as banks continued
restrictions leads to traffic improvement more than 60-70% of normal level as of June 30, 2020. Only malls exposed to foreign tourists have only recovered slightly as much of the tourist traffic remained absent
and Houses Bank Public Company Limited had the total of 108 branches which remained stable when compared to the year of 2019. Analysis of Operating Results In the third quarter of 2020, operating
. Hygiene fibers core EBITDA remained flat QoQ and declined 34% YoY due to delay in pass through of strong polypropylene prices, heightened by the Polar Vortex in the US, which negatively impacted performance
% YoY and 8% QoQ, since fundamental factors supporting the overall purchasing power remained soft and did not cover all areas, especially in the low income consumers, although overall private consumption