nationwide for these new products. Additionally, marketing efforts were put continuously in the Philippines. Consequently, sales expenses to sales revenue ratio escalated moderately from 37.80% to 54.87% as
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tourism sector, which is a key driver of the Thai economy in recent period, grew moderately owing to the growth in the number of tourists of most nationalities; especially tourists from ASEAN countries. For
moderately from the previous quarter in tandem with the housing loan growth after loan to value (LTV) measure. Auto loan and personal loan continued to expand consistent with increased domestic demand. However
, moderately decreased of 0.8 percent from the previous quarter, owing to a decline in loan to business in line with economic slowdown, coupled with some loan repayments by large corporate. The non- performing
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