distribution by loan type (consolidated) Type of loans Sept 30, 2017 Dec 31, 2016 Baht million % % of loans Baht million % % of loans Retail Lending 2,994 29.0 2.4 2,602 26.1 2.1 Hire Purchase 2,307 22.3 2.2
105.6 109.8 109.8 110.9 Total loan loss reserve/ Total mandatory reserve 188.1 185.1 185.4 188.6 188.6 186.1 4 Profit and Loss Transaction For the three month period ended March 31, CONSOLIDATED Change
purchase and financial lease declined slightly by 3.0% as a results of loan contractions yoy. For the three month period ended Consolidated Change Mar 31, 2018 Mar 31, 2017 Baht million % Interest income
outstanding loans totaled Baht 8,273 million, increasing by 3.6% from the end of 2019. NPLs distribution by loan type (consolidated) Type of loans Mar 31, 2020 Dec 31, 2019 Amount (Baht million) % % of loans
distribution by loan type (consolidated) Type of loans Mar 31, 2019 Dec 31, 2018 Baht million % % of loans Baht million % % of loans Retail Lending 3,842 40.0 2.7 3,485 37.1 2.5 Hire Purchase 2,623 27.3 2.5
interest income from hire purchase and financial lease also slightly declined due to the decelerated hire purchase loan growth. For the three month period Consolidated Change Jun 30, 2017 Jun 30, 2016 Baht
amounts. Total allowance for expected credit losses to total NPLs ratio (coverage ratio) as of end of March 2021 stood at 163.3%. NPLs distribution by loan type (consolidated) Type of loans March 31, 2021
million, increasing by 3.6% from the end of 2019. NPLs distribution by loan type (consolidated) Type of loans Mar 31, 2020 Dec 31, 2019 Amount (Baht million) % % of loans Amount (Baht million) % % of loans
due to short term loan for TTTBB acquisition. Nonetheless, AIS has ample operating cashflow to repay its debt obligation and ensure liquidity is managed efficiently. Leverage Net debt to EBITDA