Baht 11,215 million. Loan to deposits and borrowings ratio stood at 97.8%, comparing to 101.8% at the end of 2017. 11 LIABILITIES CONSOLIDATED Change (BAHT'000) Sept 30, 2018 Dec 31, 2017 Amount
Total loan loss reserve/ Total mandatory reserve 186.3 186.3 184.4 182.4 167.0 170.9 170.9 4 Profit and Loss Transaction For the year ended December 31, CONSOLIDATED Change (BAHT'000) 2019 2018 Amount
The SEC had an observation on the accounting of the change in NRF Group’s shareholding proportion in Kairous Asia Limited (KAL), which was resulted from the repayment of loan and accrued interest
from the growth in deposit consistent with the overall expansion in loan portfolio. Cost of fund for 2018 was maintained at 2.3%, the same level as in 2017. For the year ended Consolidated Change Dec 31
consistent with the overall expansion in loan portfolio. Cost of fund for 2Q18 remained stable at 2.3% yoy . For the three month period ended Consolidated Change Jun 30, 2018 Jun 30, 2017 Baht million
expansion in loan portfolio. Cost of fund for 2Q18 remained stable at 2.3% yoy . For the three month period ended Consolidated Change Jun 30, 2018 Jun 30, 2017 Baht million % Interest expense 1,224 1,030 194
management loan and other loans. The breakdown of total loan portfolio is as follows; Type of loans Dec 31, 2018 Dec 31, 2017 Change Baht million % Baht million % (%) Retail Lending 140,402 61.4 125,954 65.3
for 3Q19 at 7.0% while cost of funds was at 2.4% resulting in loan spread for 3Q19 to decline to 4.6% from 5.1% during 3Q18. For the three-month period ended Consolidated Change Sept 30, 2019 Sept 30