therefore committed to promoting financial investment literacy among Thai people, helping them be aware of scams, and enabling them to protect themselves for stable and sustainable financial well-being

amounting Baht 52.45 million, to be 50% - Cost of Producer of ready-to-drink increased Baht 46.23 million, to be 49%, the increased cost of production is consistent with the increased revenue in the milk

of Producer of ready-to-drink increased Baht 66 million, to be 17%, the increased cost of production is consistent with the increased revenue in the milk-manufacturing business to be 19%. - Cost of

in BM trading orders in a manner consistent with price manipulation. These activities occurred in different time periods. The investigation also revealed no detectable connection between the two groups

instruments Baa1 Baa1 Baa1 Subordinated debt instruments Baa3 Baa3 Baa3 Outlook Stable Stable Stable Financial strength (BCA) baa2 baa2 baa2 Financial strength outlook Stable Stable Stable Standard & Poor’s

, increasing +96.2% YoY. The gross profit margin was relatively stable as high proportion of the costs was revenue sharing costs to marketing partners which vary according to the income. Services income from

year. As the loan quality was relatively stable, the ratio of gross non-performing loans (NPL) to total loans was 2.9 percent, nearly the same level at the end of 2017. The Bank of Thailand’s Senior Loan

be effective in 2020, the Thai commercial banking system will be more stable and able to support loan expansion in the next phase. Overall Picture of the Bank and its Subsidiaries Million Baht Item

regulations for Liquidity Coverage Ratio (LCR) and Net Stable Funding Ratio (NSFR) requirements. The preparation for TFRS 9 adoption, which will come into effect in 2020, and managing loan quality and NPL

Bt167mn/month.) Market and Competitive Environment In 3Q19, the competition in the postpaid segment remained fairly stable. There continued to be no new offering on fixed- speed unlimited data in the