was 42.3% decreasing from previous quarter, as a result of the ability to maintain profitability, the stock buyback, and the Company’s interim dividend payment. Quarter Quarter Quarter 3/2019 2/2020 3
from 3Q18, as a result of the increase in asset utilization efficiency. Return on equity was 47.6% increasing from 3Q18, as a result of the ability to maintain profitability, the Company’s interim
the ability to pay of customers in the industrial sector. While the household debt rate remained high, the Company, therefore, implemented a more stringent credit lending policy in this quarter and
considering both the conditions of the entering into transaction, the appropriateness of the sale value as specified in no. 5, the ability to repay of the buyer in a manner than the buyer has demonstrated
their concern on ability to manage liquidity and debt-servicing ability of households and businesses. Although the deterioration in credit quality affected profitability, Thai commercial banking system
that will become mature in the near future, which will give rise to its stronger debt service ability; 2. Ability to seek financing sources to fund other profit-making projects in the future: an overall
complete information handed over to the intermediary as requested would certainly affect provided services or advice to each client. Clause 8 An intermediary shall consider the ability of clients in part of
handed over to the 5 intermediary as requested would certainly affect provided services or advice to each client. Clause 8 An intermediary shall consider the ability of clients in part of investment, debt
debtors’ lower ability to repay debts which was consistent with the lower quality of credit in the financial institution system. The total amount of non-performing loans in Thailand increased from Baht