started in January in China and has since spread to several countries. Measures to contain the outbreak imposed by several countries have led to widespread slowdown in economic activities. Private
2.87 $/BBL, the refining margin still remains on the low side due to the crack spread of finished product and reference crude oil price declining significantly. A result of severe drop in demand for fuel
stable at 2.3% resulting in loan spread for 2019 to decline to 4.7% from 5.0% yoy. For the year ended Consolidated Change Dec 31, 2019 Dec 31, 2018 Baht million % Interest income 18,036 16,294 1,742 10.7
improvement in loan spread from 4.6% in 2Q16 to 5.3% in 2Q17. % 2Q16 1H16 2016 1Q17 2Q17 1H17 Yield on loan 7.3 7.4 7.5 7.6 7.6 7.6 Cost of fund 2.7 2.7 2.5 2.4 2.3 2.3 Loan spread 4.6 4.7 4.9 5.2 5.3 5.3 Net
from the increase in yield on hire purchase loans from the higher portion of used cars mix in portfolio. Cost of fund dropped further yoy from 2.5% to 2.1% resulting in improvement in loan spread from
increase of 16.6% yoy from the growth in deposit. Yield on loan for 2Q19 declined to 7.0% from 7.2% in 2Q18 while cost of funds for 2Q19 was at 2.4% comparing to 2.3% yoy resulting in loan spread for 2Q19 to
% yoy resulting in loan spread for 2Q19 to decline to 4.6% from 4.9% during 2Q18. For the three-month period ended Consolidated Change Jun 30, 2019 Jun 30, 2018 Baht million % Interest income 4,343 3,974
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